Between 3/1/2014 and 11/14/2014, there are still ways to get health insurance coverage. To purchase a marketplace plan with the essential benefits outlined in ACA, you must have a qualifying event or you can purchase a short term health plan to keep yourself covered until the next open enrollment period.
During Open Enrollment, anyone can enroll and purchase health insurance as well as use a subsidy if they are eligible for one. The next Open Enrollment period for 2014 is November 15, 2014 through January 15, 2015.
If you don’t have health insurance coverage in 2014, you’ll have to pay a tax penalty. This fee will increase every year. Depending on your income, you may qualify for financial assistance; our form help will determine whether or not financial assistance is available.
All Government Health Insurance plans sold, on or off the health insurance exchange must offer the same essential benefits like maternity care, prescription drug coverage, and you cannot be denied coverage. Compare our health plan rates to the health insurance marketplace.
Obamacare includes private health insurance and federally-sponsored health plans; it does not create health insurance plans. You can buy health insurance outside the Government Health Insurance Exchange and in many cases, this will save you money.
Our short form will let you know if you’re eligible for financial aid to help pay for your health care plan. If you are, we will match you to the right provider so you can get the most out of your subsidy.
Individual health care plans are designed for single people and can usually be tailor made to your specific insurance needs. For the best rate, you should compare private individual health insurance plans to plans from the Government Health Insurance Marketplace.
Family health care plans are great for the self-employed or when you work for a smaller company that does not provide health coverage, family health insurance offers affordable protection for you, your family. Compare our rates to the healthcare marketplace.
If you run a business and want to help your employees find health coverage, a group health insurance plan will allow you to provide health coverage for employees.
Emergency health care plans are typically well suited for young people who only require very basic health coverage and coverage in emergencies. They are usually less expensive than standard health insurance plans.
You can quickly compare rates for inexpensive ACA-approved Government Health Insurance plans & apply online. You can also compare government subsidized plans quickly and easily.
You will find out if, based on your income and household size, you are eligible for a subsidy (government financial assistance) and if that's your best option, apply the subsidy to your health premiums.
HMOs, or Health Maintenance Organizations, offer health care from a network of health care providers. HMOs tend to have respectable premiums and deductibles, but offer limited flexibility for choosing doctors and hospitals. Under an HMO plan, you need a referral from your primary care physician to see a specialist and you may have to pay 100% of cost if you see a doctor out-of-network.
PPOs, or Preferred Provider Organizations, also have affordable premiums and deductibles – however, they offer more flexibility to see any doctor you want and don’t require a referral from your primary care physician to see a specialist (as is required from an HMO). Under a PPO, out-of-network costs are covered, but at a lower rate than in-network costs.
High Deductible Health Plans, tend to have lower premiums than both HMOs and PPOs, but much higher deductibles. Deductibles are the out-of-pocket expenses you have to pay before insurance starts to cover you. You can use an HSA to lessen the financial burden of covering the high deductibles. These plans generally have similar flexibility to PPO plans.
HSAs, or Health Savings Accounts, are growing in popularity for a variety of reasons. Though they may not be for everyone, if you can afford to put up the money up front, you can benefit from tax savings, and people typically save a decent chunk of money when all is said and done because they don't have to pay the expensive premiums.