Health insurance
Get a Obamacare quote for you and your family
Is individual health (obamacare) for me ?/ how much is obamacare?
Under the Affordable Care Act (ACA), insurers will now approve members with pre-existing conditions. There are other built-in benefits to the ACA that make it better than many insurances. The ACA requires all new health insurance plans created after March 23, 2010 to cover “ten essential benefits” These benefits are:
- Emergency care
- Hospitalization
- Lab testing
- Maternity care before, during and after labor
- Mental health counseling services
- Outpatient or ambulatory care
- Pediatric services
- Prescription drugs
- Preventative services
- Rehabilitative care and related equipment
Year after year insurance companies will compete to earn your business, it is important to shop around each year to see if you still have the best and most affordable insurance you could have at all times. We will be very happy to assist with that process.
Do I make too much for the subsidy?
The subsidy can be received on incomes up to $100k.
What if I have Medicare?
Original Medicare, the health coverage you can get when you turn 65 or have a qualifying disability, consists of Medicare Part A and Part B. Part A provides hospital insurance, and Part B (medical insurance) covers doctor visits; preventive services like certain screenings and vaccinations; durable medical equipment; and other services and items. But Part A can come with substantial annual deductible and copayments or coinsurance for certain inpatient services. Medicare Part B also has copayments, coinsurance, a monthly premium, and an annual deductible. Medicare Supplement (also known as Medigap and MedSupp) insurance can help downsize your Original Medicare cost burden. For example, some plans pay the Medicare Part A deductible. There are a lot of variables and we always recommend giving us a call up so we can work hand in hand to find the right product for your needs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.