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help you select a plan that fits you – at a premium you can afford.
Even in the event that health insurance policies might seem too expensive, please call (for free) and speak with a licensed health insurance professional who will be able to determine the maximum subsidy available. More often than not some people will miscalculate their actual taxable income. Which often creates errors in coverage premium estimates that would otherwise benefit them.
Article: How to apply for Obamacare
HSS “The United States Department of Health and Human Services” proposed keeping the same Nov – Jan open enrollment schedule used for 2019 (ie, November 1, 2018 to January 31, 2019, with effective dates starting January 1, 2019).
Please note that we are not a licensed insurance agency or are we affiliated with any insurance agencies.
Please use this information to help in educating yourself on some of the basic information and facts you need to help ask the right questions.
Remember always talk directly with a licensed insurance agent before making any final decisions.
Our goal is to make the process of identifying and selecting a Health Insurance plan simple and hassle-free. You will be working with licensed insurance agents representing top, reputable insurance carriers. Our service is easy to use, free and with no obligations to purchase – ever.
Under the (ACA) Affordable Care Act, it makes it possible for more people to get insured, including people with pre-existing conditions and those who used to have “no coverage option” that meets their budget.
Did you know the average cost of a three day hospital stay is $35,000? Or did you know that fixing a broken leg can cost up to $8,500? Having health coverage can help protect you from high, unexpected costs like these.
Your insurance policy/summary of benefits and coverage will show what types of care, treatments, and services your plan covers, including how much the insurance company will pay for different treatments in different situations.
Facts about HealthCare.gov,
The Health Insurance Marketplace and ObamaCare.
How to Get Affordable Health Insurance Coverage in 2019.
Under ObamaCare – every one of you must have health insurance, or you will have to pay a penalty. Pretty much any type of coverage will meet the requirement of this mandate. Private insurance and employer insurance, Medicaid, Medicare, Veterans Affairs, CHIP, the Indian Health Service or the Tricare.
Penalties are calculated 2 different ways. First way is to use the percentage of your total household adjusted gross income as equated on your tax return for the year / OR / a flat rate. Whichever amount is greater. Use your tax return to determine what your penalty will be.
These penalties will increase each year keeping pace with annual inflation encouraging people to purchase insurance coverage.
For the 2016 tax year, with a maximum of $2,085.00, penalties will rise to 2.5% for each total household adjusted gross income, or it will be $695.00 per each adult and then it will be $347.50 per each child.
The percentage option will stay at 2.5% for the 2017 tax year and beyond, however the flat fee will continue to be adjusted with inflation.
HealthCareGov is a U.S. Government website launched Oct 1, 2013. The Health Insurance Marketplace is a novel way to seek out health insurance coverage that will fit your budget and meet your needs as well. You only have to fill out one application and you can then see all your options and enroll into a health insurance plan.
Basically, it is simply a place for private insurers to apply for, and if they qualify – meeting stringent rules – they will be able to list their policies on healthcare.gov.
HealthCareGov – Health Insurance Marketplace October 15 – using the Healthcare Gov/Health Insurance Marketplace you will fill out an application and then be able to see all of the health-plans available in your area by zip code.
Speak to a licensed agent today
Can you get lower costs on your monthly premiums for private insurance plans? Maybe. Time will tell. We think that the private insurance companies will want to remain competitive. Health insurance plans are very lucrative for insurers.
NOTE: If you are already on Medicare (65 years or older), there is no need to apply on the Health Insurance Marketplace. You are already covered.
HOWEVER, you may wish to get Medicare Supplemental Insurance, which helps pay for expenses Medicare won’t cover. Such as Medicare Advantage.
Better health insurance choices: The Marketplace is a now new way we in finding health coverage to best fit your budget and helps meet your healthcare needs. With only one application, you can then see all your available options and then enroll.
Most folks using healthcare gov will qualify to save some money. To find out how much you are eligible for when you apply, it will help to have these things close by:
The Health Insurance Exchanges (by state) mandated by the new Healthcare Reform Act will create an online marketplace where individuals and businesses both can buy health insurance coverage. Each state’s exchange will act as a clearing-house for health insurance plans that are offered. The exchange is created to:
You can apply for your Insurance Marketplace coverage three different ways.
Telephone help as well as online chat will be available 24-7 to help you complete your application.
Health Insurance plans will be offered by private companies, and they cover the same core set of benefits called essential health benefits. No plans may turn you down or charge you more because you currently have an illness and or medical condition. They must cover treatments for these conditions. For example, plans cannot charge women more than men for the same plan.
If you have a pre-existing condition, you cannot be refused under this plan. Insurers also cannot charge you more just because you are, or have been sick. Once you get insurance coverage, companies can’t not treat you for any conditions you may have had prior to your application and approval. Amazingly enough, this holds true even if you have been refused coverage and/or treatments in the past.
Dental Insurance is also available as part of a general insurance plan, or more likely – a separate dental insurance plan. You need to know that the health care law states that dental insurance is treated differently if you are an adult or a child under 18. For individuals under 18 dental insurance is considered essential health services and are covered by most plans. This is not the case for adults. It is difficult to get a dental plan for adults since insurance companies are not obliged to provide dental insurance to adults like they are for kids.
If you are unemployed you may also qualify for a lower cost on Marketplace insurance. This is depends on your household income. The fact that you are unemployed really doesn’t matter much. It’s all based on income. Pending on the income, you might qualify for several programs such ad Medicaid, Children’s Health Insurance Program (CHIP) and/or lower cost Marketplace insurance.
Lower cost premiums also depends on your income. It is possible to qualify for a lesser premium if your household income is below a certain level.
The Affordable Care Act allows all US Residents to get comprehensive health insurance, and offers new rights and protections. Some of the law have already taken effect, while other sections will be implemented in future years.
Can you keep your own physician?
That depends on the type of plan you choose. Many, if not most of the plans offered have their own network of doctors, specialists, pharmacies and various health care providers. It’s sort of a clique. They look after themselves first. If you really want to stay with your own doctor, and you want to wither get, or change the health care plan you have – check to see if your doctor is included in the plan’s network.
Subsidies for Individuals. Do you worry that you can’t afford health insurance? On your state’s marketplace, as an individual – you may actually qualify for a subsidy. But only if your household income is between 100% and 400% of the U.S. federal poverty level. This subsidy money will be a new sort of a tax credit that you can use immediately to lower the costs of the insurance premiums.
Marketplace Healthcare gov 2019 Open Enrollment | Healthcare gov open enrollment 2019 | OEP 2019 | Obamacare 2019 Enrollment