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?
Cost-sharing Reductions Calculations Table
Reduction in Maximum Annual Limitation on Cost Sharing for 2016
|Plan Variation (from 70% AV Silver Plan)||Income Range for Individual||Individual Out-of-Pocket Maximum standard 2016 limit: $6,850)||Income Range for Family of Three||Family Out-of-Pocket Maximum standard 2016 limit: $13,700)|
|94% AV Silver Plan Variation (for household with a MAGI between 100-150% of FPL
|87% AV Silver Plan Variation (for household with a MAGI between 150-200% of FPL
|73% AV Silver Plan Variation (for household with a MAGI between 200-250% of FPL
American Indians/Alaska Natives with MAGI below 300% of FPL enrolled in a zero cost sharing plan variation have all cost sharing eliminated for EHB. American Indians/Alaska Natives with MAGI above 300% of FPL enrolled in a limited cost sharing plan variation have cost sharing eliminated for any EHB item or service that is furnished directly by the Indian Health Service, an Indian Tribe, Tribal Organization, Urban Indian Organization, or through referral under contract health services.*Please review the 2015 Federal Poverty Chart in the Resources tab to find dollar ranges for the different percentages of FPL. These figures are higher in Alaska and Hawaii.
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