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Basics Of The New Government Health Insurance Option

New Obamacare Deadline Extends Coverage to July 15, 2014

If you currently have COBRA health coverage you now have the chance to save thousands of dollars on your health insurance premiums by switching to Obamacare.

Special Enrollment for COBRA Enrollees

Now through July 1st, people who currently are enrolled in COBRA health coverage can switch to an Obamacare health plan, use a subsidy if they are eligible and save themselves thousands of dollars on their health insurance premiums.

On May 2nd, The Health and Human Services Department created a new category of Qualifying Events for people who currently have COBRA health coverage and want to switch to an Obamacare policy. The ruling creates a short special enrollment period that allows people to purchase a major health insurance plan which they would otherwise have to wait until November to do.

Save Thousands with Obamacare

Legally, people who leave their job can decide to retain their health coverage, but must pay the entire premium on their own. However, because these plans were not necessarily set up to be paid by individuals, this can be an extremely expensive option for people - especially those who may be out of work or laid off.

The Affordable Care Act offers new options for people who have previously opted to maintain COBRA coverage. The federal law guarantees coverage regardless of preexisting conditions and provides premium subsidies based on a person's income. This can mean big savings over COBRA premiums.

Peter Lee, the Executive Director of Covered California, said some consumers could save thousands of dollars by getting an Obamacare policy instead.

Ways to Compare Government Health Insurance

Shop, Compare & Enroll Online

You can shop, compare, apply, and enroll for health insurance online. You will be able to see rates and plans before you apply and you don't need to create an account to get started.

Get Personal Help by Phone

We have operators standing by to help you fill out the forms, answer questions. You can also get rates, compare plans and complete your enrollment by phone with a licensed agent.

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Lower Your Costs on Government Health Insurance

Compare Marketplace Rates

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.

Use Your Subsidy

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.

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Government Health Insurance Plans

Individual Health Insurance Plans

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 Insurance Plans

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.

Group Health Insurance Plans

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 Insurance Plans

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.

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Different Kinds of Health Insurance Plans

HMO Health Insurance Plans

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.

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PPO Health Care Plans

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.

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High Deductible Health Care Plans

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.

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Health Savings Account

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.

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