What is the Health Insurance Marketplace?
The Affordable Care Act has many confusing dimensions. Do I qualify for a subsidy? Can I get coverage without a subsidy? What are the essential health benefits? Which "Metal Plan" ( Bronze, Silver, Gold or Platinum or Catastrophic) meets my needs and budget? How do I navigate the Health Insurance Marketplace? What are the differences between deductibles, coinsurance, copayments and maximum out of pocket costs? Is the lowest premium always the best choice? Are my current doctors within the network for the plan I want to choose?
DO YOU QUALIFY FOR COST SHARING REDUCTIONS?
The Marketplace cost-sharing reduction lowers the amount you have to pay for out-of-pocket costs like deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.
This savings is based on your income and family size.
Savings depend on your income.
Health insurance companies offering coverage through the Marketplace must lower the amount you pay out of pocket for essential health benefits if your household income is below the following amounts. (Incomes below are based on 2013 numbers. They are likely to be slightly higher in 2014. Amounts are different for each family size, up to 8.)
Up to $28,725 for individuals
Up to $38,775 for a family of 2
Up to $48,825 for a family of 3
Up to $58,875 for a family of 4
Up to $68,925 for a family of 5
Up to $78,975 for a family of 6
Up to $89,025 for a family of 7
Up to $99,075 for a family of 8
There are lots of questions and we are here to help you. There is never a charge for our service and we will asssist you with your plan choices. Once you have decided on a plan, we will guide you through the enrollment process. You will have a dedicated agent for the lifetime of the policy. Our agents are Marketplace Certified and fully licensed in your state of residence and we will actually check your subsidy eligibility and do your enrollment on healthcare.gov with you right away.
Do You Know the Essential Health Benefits and features of The Affordable Care Act?
There are a long list of benefits called the "Essential Health Benefits". These benefits are standard with all plans on the Government Marketplace. You also cannot be denied coverage regardless of what pre-existing conditions you currently have.
When you use our agents, you will have the advantage of our expertise and extensive training. The plans you select will cost you the same as they would have if you tried to navigate the Government Marketplace by yourself. Our agents will provide you with dedicated customer service. We will always be available to you whenever you need any assistance in the future.
What are other people saying!
"Buying shoes and electronics online without assistance is fine, but purchasing insurance requires the assistance of a professional."
- James Adams
"I have always used a licensed agent for all my insurance needs, and I am not about to change now."
- Christopher Rodriguez
"Get all the facts you need from a licensed agent before you enroll. Your health and well being depend on it!"
- Peter Parker