OUR HEALTH PLANS
Healthcare
Insurance Plans
We offer to help guide you on health insurance plans under the Affordable Care Act (ACA), also known as ObamaCare, which simplifies access to quality health coverage for more individuals. Let us assist you in finding affordable plans that meet your needs.
Benefits of
ObamaCare
You can't be denied insurance for existing health problems
There's no limit on how much care you can get in your lifetime
Young adults can stay on their parents' plan until they turn 26
You get free preventive care, like check-ups and shots
All plans must cover important health services
Who Can Get
Healthcare
The Affordable Care Act (ACA) provides health insurance options for:
Individuals and Families needing coverage.
Low-to-Middle Income Households qualifying for premium subsidies.
Self-Employed Individuals without employer insurance.
People with Pre-Existing Conditions who need coverage.
Young Adults up to age 26 staying on their parents' plan.
Residents of All States with access to the Health Insurance Marketplace.
ACA health plans cover a full range of essential health benefits, including:
Check-Ups: Regular visits and preventive care to keep you healthy.
Emergency Care: Hospital visits and ambulance services for emergencies.
Hospital Stays: Costs for being admitted to the hospital and treatments.
Pregnancy and Newborn Care: Care for pregnancy, childbirth, and newborns.
Mental Health: Support and treatment for mental health and substance use.
Prescription Medications: Coverage for medications your doctor prescribes.
Therapies: Services to help you recover or improve skills, like physical therapy.
Lab Tests: Diagnostic tests and lab work.
Kids’ Health: Dental and vision care for children.
What does our health plans
cover
Our Plans
Easy to Understand!
ACA (ObamaCare) Health Plans Provide Comprehensive Coverage
These plans aims to make health insurance more accessible and affordable for everyone.
How do I pick a plan category?
Total spending on Health Care: Evaluate overall health care costs, not just premiums, and compare plans to estimate total yearly expenses.
Silver Plan: Enroll in a Silver plan if eligible for extra savings, which you’ll discover during the application process.
Premium Tax Credit: Check for premium tax credit eligibility when applying, as it can lower premium costs across all plan categories.
Coverage: All Marketplace plans cover the same 10 essential health benefits, including preventive services and chronic disease management programs.
Quality of care: Compare plans using quality ratings (1-5 stars), noting that category names do not reflect care quality.
Need help choosing?
Our advisors explain everything and help you pick the best plan!
Disclaimer: Remember, these are general guidelines. Actual costs and coverage may vary depending on the specific plans offered by different insurance companies.
Questions People Ask Us
What if I can't pay for insurance?
If your income is low, you might qualify for financial assistance to help pay for insurance through the Marketplace. If your income is below a certain level, you may also qualify for Medicaid.
Can I get insurance if I'm not a U.S. citizen?
Yes, if you are a lawfully present immigrant, you can buy insurance through the ACA Marketplace and may qualify for financial help. Undocumented immigrants cannot get Marketplace coverage.
I own a small business. Can I get insurance?
Yes, as a small business owner, you can offer health insurance to your employees through the Small Business Health Options Program (SHOP) Marketplace.
What happens if I don't have health insurance?
There used to be a penalty for not having insurance, but now there is no federal penalty. However, some states may still have their own penalties for being uninsured.
Are there waiting periods for immigrants to get coverage?
Some immigrants must wait five years after getting their status before they can enroll in Medicaid or CHIP. However, refugees and asylees can get coverage right away.
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