Choosing a health insurance plan can be complicated, whether you are searching for a single-person plan, a family plan, or some other type of health insurance plan. The Healthcare Marketplace does make the process easier, though, since you can apply in one place for a healthcare plan that suits your situation as well as your income level and needs.
Everyone has heard of Obamacare but not as many realize that the official name of this law is the Patient Protection and Affordable Care Act. This program can provide health insurance options for families, as well as individuals, and even base it on your income level.
This bill became the law of the land in 2010 and was the first change to the health insurance system in the United States in decades. It is created to offer health insurance benefits to individuals and families at a rate that is affordable but will still offer quality healthcare. No health insurance company can turn down someone due to a pre-existing condition, which is super important since that was an issue previously for people who have ongoing health conditions when they lost their job or lost their health insurance benefits for some reason in their new insurance would not cover them. This can be life-threatening and very devastating to the quality of life of individuals as well as families.
Before you apply on the Healthcare Marketplace Exchange online, you should know and understand the four “metal” categories. This is a rating system of health insurance plans that are available, and they include bronze, silver, gold, and platinum level. These different categories will show you how much you will have to pay for health care but do not have anything to do with the quality of care that you would receive under each plan.
Your total cost for health care will include a monthly premium that you will pay to your health insurance company. This has to be paid every month whether you needed to use any medical services or not. You may end up with some out-of-pocket costs, such as a deductible or copay, on top of all of that. You should definitely consider both of these types of costs when you are shopping for a health care insurance plan.
You also need to keep in mind that there are a variety of other plans available in the way they are set up for individuals and families alike. There are many different types of insurance available for individuals. These can include insurance through an employer as well as through the Healthcare Marketplace. These different types of health insurance include Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), High-Deductible Health Plan with or without a Health Savings Account, Exclusive Provider Organization (EPO), Catastrophic Plan, Point-of-Service Plan (POS).
To apply for Obamacare, you must register on the Healthcare Marketplace site and then complete the application. The open enrollment period is from Nov. 1 to December 17 each year for people to apply for the new, upcoming year. There are certain circumstances, though, that may qualify you to apply during a special enrollment period. Those situations include the loss of a job and your health insurance, a death in your family, a divorce, the birth of a child, and several others.
If you do find yourself in need of health insurance benefits but are not eligible for one of these types of qualifying events, you may be able to enroll in some type of short-term health insurance plan depending on which state you live in.
To obtain assistance with the enrollment process and all other aspects of your marketplace health insurance options, you can call upon the health insurance agents at Obamacare ACA who will assist Florida residents, as well as residents in a variety of other states, in obtaining a healthcare plan that is right for them.
The agents at Obamacare ACA are experienced and knowledgeable in the health insurance industry and will review the various plans with you to ensure you are receiving the best possible deal and quality healthcare. They will advise you on which health care plans are available for you, including free health insurance plans that will work best for your income level and the amount of healthcare insurance you are in need of at this time.
The agents work with all of the top health insurance carriers throughout the nation to provide consumers with the best and most affordable health insurance plans within their income levels. The world of health insurance can be very hard to navigate, which is where the agents at Obamacare ACA come in so that consumers are not taken advantage of and do not end up paying more money out of pocket than they would need to otherwise.
The health insurance agents at Obamacare ACA can assist you in applying for and obtaining health insurance through the Obamacare program. Contact us to speak to an agent today by calling (866) 889-1312 so you can obtain the health insurance coverage you need.
I am authorizing a licensed Health Insurance Agent to review, to submit into a free plan or to refer my Health Insurance enrollment to a qualified entity whenever deemed necessary. I as a customer allow access to my Healthcare.gov or Medicaid accounts to make any updates/uploads as necessary and also to review and advise year to year, using any and all reasonable efforts to ensure that I the customer have a sound decision in my Healthcare plan for the year. I as the customer agree that I qualified for one of the many SEP’s during the year of 2022. (Ex: qualified for unemployment, Covid 19, Etc) I as a customer acknowledge receipt of HIPPA Privacy Information at the time of enrollment. By filling out and providing my personal information and signing, I certify that all of the above information is correct to the best of my knowledge and I give authorization to be enrolled into a free health insurance plan.