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Explore Health Insurance

Explore our website to learn about health insurance choices, quote online, and start coverage by signing up. There are two ways to purchase an Affordable Care Act compliant health insurance plan. We will help explain the difference, so you can make the right decision.

On-Exchange Health Insurance

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Also known as the “Market Place” or even “ObamaCare”. Each state will either use Healthcare.gov or their specific state Market Place to allow consumers to shop for health insurance plans. It is typically recommended to use these types of plans if one is eligible for financial assistance through what is known as a subsidy or Advanced Premium Tax Credit. This financial assistance can not only lower the plan’s monthly premium, but it can also lower the plan’s out-of-pocket costs through what is known as cost sharing reduction.

On-exchange or off-exchange health insurance plans are recommended for those in need of coverage for pre-existing conditions. One will find that pre-existing conditions are not covered by most of the alternative options such as medical cost sharing and short term medical plans.

Market Place plans cannot be customized and are standardized by the Affordable Care Act. Therefore, when enrolling into these health insurance plans the only determinant of monthly price and coverage is based on age, tobacco usage, zip code, and any financial assistance through a subsidy.

Most Market Place plans throughout the country are HMO networks that offer in-state networks of doctors and hospitals only. Be sure that your doctor is in-network with the particular plan you choose.

Off-Exchange Health Insurance

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Off-exchange health insurance plans are purchased through a broker or directly from a health insurance carrier. The health insurance plans themselves, and company’s that offer these plans, vary by state, and by county. Depending on your zip code there may be several, or no options at all, to purchase off-exchange health insurance.

Plans purchased off-exchange are not eligible for financial assistance through a subsidy. Anyone with a lower income and potientially eligible for financial assistance should first explore options on-exchange. Off-exchange plans often include larger networks of doctors and hospitals. If one is looking for PPO options with larger networks its better to search off-exchange versus on-exchange.

When it comes to purchasing a health insurance plans it is important to understand that the plan prices do not vary based upon where you purchase it. Whether its purchased from a broker or directly with an insurance carrier the price and plans are identical. This can save perspective members valuable time since there is no need to price shop.

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Off-Exchange Health Insurance Plans

Not all of our companies have specialized links available. If you do not see what you are looking for, just ask! By clicking the links below for a particular state you can view rates, plan details and sign up for coverage.

Catastrophic Coverage & What To Consider

What To Consider

When considering catastrophic healthcare coverage, there are two options: high deductible health insurance and medical cost sharing.  When deciding which is best, the first question to answer is whether a pre-existing or chronic condition is prevalent? To the left is a video that will explain these options in greater detail and provide a real-life example.  While higher in cost, a high deductible health insurance plan may be the best fit for some. Others, especially healthier individuals, may discover the lower cost alternative to health insurance, known as medical cost sharing, to be the best fit.

 

What Exactly is Catastrophic Coverage?

Catastrophic health insurance plans as defined by the ACA (ObamaCare) are only eligible to those under the age of 30 and meet specific guidelines.

Although it’s commonly understood by most that someone over the age of 30 looking for “catastrophic coverage” is in fact searching for coverage with a high deductible, or coverage with higher out-of-pocket costs.  

Regardless, this health coverage has similar characteristics to a “catastrophic”plan. It simply is not defined as “catastrophic” by the ACA for those over the age of 30.

High Deductible Health Insurance

Looking only at insurance plans, a high deductible health insurance plan can leverage the lowest overall cost for catastrophic coverage. This type of plan will provide coverage for pre-existing or chronic conditions after the deductible is met. For 2019, the annual out-of-pocket maximum for these plans is $7,900 for an individual, and deductibles will vary from $6,000-$7,900 depending on the plan offered in a specific area.

If eligible for financial assistance, these plans purchased on-exchange can have a lower cost for some enrollees. Determine your financial assistance eligibility HERE.

Alternative Catastrophic Coverage

Fortunately for many, there is an alternative for catastrophic coverage which is even lower in cost. Medical cost sharing can be a great way to lower overall healthcare costs and exposure to a catastrophic medical need. Medical cost sharing, while it can alleviate a financial burden for many, is not always an option for everyone and should be carefully considered.

Medical cost sharing works best for those who are healthier, do not receive financial assistance, and are willing to pay for smaller medical needs out-of-pocket. Often families, self-employed, or small businesses benefit the most from medical cost sharing. Those who determine medical cost sharing to be a good fit will find an average 40-60% savings than with a traditional high deductible health insurance plan.

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Our team of health insurance and health plan experts are ready to help you!  A quick phone call or message is all you need to get started and we can move forward in the right direction.  Contact us today!

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