Learn How To Shop For A Variety Of Health Plans ...We understand comparing your health care options can be confusing. The good news is that we are here to help. Below you can learn how to compare a variety of choices available to businesses, individuals, and family's. Navigate to the bottom of each tab in the "links" section to explore companies and plans in your state.
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.
Health insurance 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 health insurance plans throughout the country are HMO or POS 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.
To find out of you are eligible for financial assistance though the federal or your state marketplace use the links below. Alternative off-exchange options are available on the “Health Insurance” heading of this website
Medical Cost Sharing
Also known by other names such as “HealthShare”, “Christian Ministry”, and “HealthShare Ministry” programs. This health care coverage is offered and administered by non-profit organizations and NOT insurance companies. Designed for healthier individuals and families, coverage through a HealthShare will typically save members 40-60% in annual healthcare costs. These plans can be customized and offer large national networks of doctors and hospitals across 50 states. Unlike traditional health insurance, this coverage is universal and offered the same state by state. Each particular HealthShare will function quite differently from one another and it is important to read through the “member guidelines” to understand those differences.
Short Term Medical
A Short term health insurance can provide a temporary solution to help fill gaps in coverage. Consider Short Term if you’re: between jobs, waiting for other coverage to begin, or waiting to be eligible for Medicare coverage. There are a variety of plans and companies to choose from and coverage will vary by state laws. Plans can be customized by deductible and coinsurance to fit any budget and need.
View STM Plans by state
Direct Primary Care
Direct Primary Care benefits patients by providing substantial savings and a greater degree of access to, and time with, physicians. This membership process allows family physicians to care for the whole person while reducing the overhead and negative incentives associated traditional health insurance and third-party-payer billing.
While the DPC membership provides a much needed solution in healthcare it does not provide all the necessary coverage one needs for healthcare. What is missing is catastrophic coverage and it can be provided best in two ways.
For healthier individuals that do not require coverage for pre-existing conditions its recommended they explore medical cost sharing.
For those that have pre-existing, chronic conditions in need of treatment or receive financial assistance through a subsidy its recommended they explore a high deductible health insurance plan.
This website will allow memebers to explore both of these solutions in conjuction with direct primary care membership to learn about differences and costs.
Learn More or Locate A DPC
The video will explain how to navigate Explorehealthinsurance.com
Helpful tips for purchasing health coverage:
- Health insurance company’s and the plans being offered vary by state, and county. In other words, each county throughout the country will have different plans available. Where one resides determines which plans and company’s are available to them.
- Health insurance rates are standardized and DO NOT vary by website, broker, or whereever you purchase coverage from.
- Use your state market place/exchange to get financial assistance through an advanced premium tax credit (Subsidy).
- Not eligble for financial assistance based on income? Consider medical cost sharing, direct primary care, and short term medical coverage to lower healthcare costs.
- It is no secrtet medications are not always priced correctly through insurance. Often times medication are lower cost even without using insurance. You can check prescription costs HERE
- Combining coverage between medical cost sharing & direct primary can help to lower healthcare costs and create a unique comprehensive solution.
- Medical cost sharing, and short term medical coverage will have larger networks of doctors and hospitals as compared to traditional health insurance.