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How do I Purchase Health Insurance?

Purchasing health insurance can be an overwhelming process. In order to enroll you will need to find a plan that is within your budget and meets your needs. Then you have to make contact with the carrier and speak to an agent. Your agent provides a quote that depends on a number of factors like age, location, and health condition. This can be a complicated task for many individuals.

Recently, our government pass the Affordable Care Act, also known as Obamacare. This program gives Americans access to plans based on income and health needs. In most states, financial subsidies are available to those who qualify.

When shopping for healthcare coverage, you should compare plans to ensure you are getting the best fit for your needs. Speak to your agent about out-of-pocket expenses and deductibles. Make sure that you understand the plan limits and benefits in detail before moving forward.

What is the Health Marketplace?

Health Marketplace is a network of licensed health insurance agents working together to provide Americans quality health plans with an easy and efficient shopping process. Just enter a few personal details and start comparing plans in a matter of seconds. Our agents work with over 39 A-rated insurance carriers in 50 states. Our agents strive for exceptional customer service on every policy.

What’s the “Health Insurance Exchange”?

The Health Insurance Exchange is a group of carriers and insurance companies contracted with the federal government to provide healthcare coverage to Americans. There are currently 37 states participating at the federal level. AL, AK, AZ, AK, DE, FL, GA, HI, IL, IN, IA, KS, LA, ME, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, and WY.
If you are a low-income individual and would like to see if you qualify for a subsidy, please visit the federal healthcare marketplace website or your applicable state run website to apply. You have the choice to either shop through the Exchange marketplace or in the private marketplace.

When Can I Enroll in Health Insurance Plans?

Different Open Enrollment period is from November 1st to December 15th. You can apply for a plan during this time on the exchange. This is when most policies will allow enrollment in a plan. If you have a reason to shopping for insurance such as, getting a divorce, losing your job, losing your Medicaid eligibility, or other applicable reasons then you are eligible outside of open enrollment period. Additionally, private insurance carriers have plans available outside of open enrollment.

How Do I Find a Good Health Insurance Carrier?

Currently, hundreds of insurance carriers are participating in the Affordable Care Act marketplace. They are offering thousands of different plans. The carriers are graded on a letter scale based on performance. You will want to check the rating on your prospective carrier.
Another great idea is to speak with friends and family. Ask what kind of insurance they have and how its working for them. You can get great insight from others that have personal experience working with a carrier.
Our agents currently work with most major insurance companies like Aetna, Humana, Blue Cross, Cigna, and Mutual of Omaha.

What if I Cannot Afford Any of the Plans?

If you cannot purchase insurance, the government will charge you a fine when you file your yearly income taxes. For 2015, the fine will be either $325 or 2% of your income (the higher of the two will be your fee). This fee will increase to $695 or 2.5% of your yearly income in 2016. To avoid the penalty, you must be carrying a health insurance plan for at least 9 months of the year.

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