Protect your health and your Family Life Legacy By Applying For affordable healthcare With Your Local marketplace (obamacare) agent.
Don’t get caught with the wrong type of Health Insurance or none at all. All Healthcare plans and carriers are not the same.
Tenika Y Copeland
NPN# 11386276
Licened In GA FL SC TX CA NY OH MI
What Is the Health Insurance Marketplace?
The federal Health Insurance Marketplace, which is also called the “Marketplace” or “Exchange,” is the infrastructure we use to browse various health care plans available under the Affordable Care Act, commonly known as “Obamacare,” as well as compare them, and purchase health insurance.
How Can I Enroll in a Health Care Plan?
Generally, you have to enroll during the Open Enrollment Period. Although, you might qualify for a Special Enrollment Period if you’ve gone through a major life event like losing other coverage, getting married, or having a baby. Also, certain income levels will qualify you to enroll outside of open enrollment. Give us a call to learn more.
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FAQ
What Is a Premium Tax Credit?
A “premium tax credit” is a credit you can use to lower your monthly insurance payment when you enroll in a plan through the Marketplace. Only certain people are eligible for lower premiums and lower out-of-pocket costs for Marketplace plans. To qualify for lower premiums for a Marketplace plan, your household income must be between 100% of the federal poverty level and 400% of the federal poverty level
If you are offered health coverage through your employer, you can purchase a policy through the HealthCare Marketplace, but you are eligible for subsidies only if your employer-provided insurance isn’t affordable based on certain criteria. If you don’t qualify for your employer’s insurance because you work part-time, you can get health coverage through the Marketplace.
What if I Have a Preexisting Condition?
A preexisting condition won’t keep you from getting health coverage. As of January 1, 2014, no insurance company can exclude you from coverage because you have a chronic or disabling illness or injury because you’ve received recent treatment for a medical condition. An insurance company also can’t charge you more if you have a preexisting condition.
What If I'm Self-Employed? Can I Get an Individual Marketplace Plan?
If you’re self-employed, meaning you run your own business or do freelance or contract work, and you don’t have employees, you can purchase an individual Marketplace plan.
What if I Work Part-Time and Want to Buy a Marketplace Plan?
If you work part-time and can’t get coverage from your employer, you can purchase a plan through the Marketplace. Depending on your income level, you might be eligible for a lower policy premium. However, if you can get health coverage from your employer, you can still buy insurance through the Marketplace but you might not qualify for a premium tax credit and other savings based on your income.
What if I Lose My Group Insurance Through My Job?
If you lose your job-based coverage, you have the option of continuing your plan through COBRA for 18 months or of purchasing an individual plan through the Marketplace. You do not need to wait until an open enrollment period to sign up for a Marketplace plan if you lost your group insurance. Because of this you qualify for Special Enrollment if it’s outside of the Open Enrollment period.
Are There Different Plans Available Through the Health Insurance Marketplace?
There are four different categories of insurance plans available through the Marketplace: Platinum, Gold, Silver, and Bronze. All of the categories’ plans provide the same essential health benefits. The quality of care provided, or the access to doctors, does not vary between plan types. The various categories differ by the types and amount of costs you’ll pay.
Which metal category is right for you?
BRONZE
- Lowest monthly premium
- Highest costs when you need care
- Bronze plan deductibles — the amount of medical costs you pay yourself before your insurance plan starts to pay — can be thousands of dollars a year.
- Good choice if: You want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you’ll have to pay for most routine care yourself.
SILVER
- Moderate monthly premium
- Moderate costs when you need care
- Silver deductibles — the costs you pay yourself before your plan pays anything — are usually lower than those of Bronze plans.
- Good choice if: You qualify for “extra savings” — or, if not, if you’re willing to pay a slightly higher monthly premium than Bronze to have more of your routine care covered.
GOLD
- High monthly premium
- Low costs when you need care
- Deductibles — the amount of medical costs you pay yourself before your plan pays — are usually low.
- Good choice if: You’re willing to pay more each month to have more costs covered when you get medical treatment. If you use a lot of care, a Gold plan could be a good value.
Platinum
- Highest monthly premium
- Lowest costs when you get care
- Deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.
- Good choice if: You usually use a lot of care and are willing to pay a high monthly premium, knowing nearly all other costs will be covered.
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