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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

There are two options to consider when considering catastrophic healthcare coverage. The first question one must answer, is there a need to provide coverage for a pre-existing or chronic condition? To the left, is a video that will explain these options in greater detail and provide a real life example. One may find the higher cost of a high deductible health insurance plan to be the best fit. While those that are healthier could find the lower cost alternative to health insurance through medical cost sharing to be the best fit.

Catastrophic Coverage Defined

What is catastrophic coverage as defined by the Affordable Care Act (ObamaCare) is most often conceivably different from what most refer to when searching for catastrophic coverage.

Specifically as defined by the ACA catastrophic health insurance plans are only for those under the age of 30 and plans meet a specific criteria. It’ commonly understood that someone over the age of 30 looking to purchase catastrophic coverage is in search of a high deductible health insurance plan that does not meet any specific criteria. In fact the plans labeled and defined as “catastrophic” will not be available or even appear as an option for someone over the age of 30.

Therefore those searching for “catastrophic” coverage have a couple of different ways to plan coverage based on this need.

 

High Deductible Health Insurance

Using a high deductible health insuarance plan can leverage the lowest cost health insurance plan in an area as catastrophic coverage. This type of plan will provide coverage for pre-exisitng or chronic conditions after 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 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 financial assistance eligibility HERE.

Alternative Catastrophic Coverage

Using medical cost sharing for catastrophic coverage can be a great way to lower ones overall healthcare costs and exposure to a catastrophic medical need. It is also not for everyone and should be carefully considered.

Due to the limits on pre-existing conditions, those that have these needs may find a high deductible health insurance plan to be a better fit. Those with lower incomes may also find a high deductible health insurance plan with an advanced premium tax credit to be lower cost catastrophic coverage.

Medical cost sharing works best for those that are healthier, do not receive financial assistance, and are willing to pay for smaller medical needs out-of-pocket. Often times these are families, self-employed, or small businesses. Those that determine medical cost sharing to be a good fit will find on average 40-60% savings versus a 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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