Affordable Health Insurance for Individuals and Family
You may know Affordable Care Act (ACA) plans as major medical, comprehensive coverage, or even “Obamacare,” but whatever you call them, these plans meet all the requirements of the ACA and are typically the most comprehensive on the market. If you have a chronic illness or face a medical emergency, these plans can help prevent staggering expenses.
- Slows the rise of healthcare costs
- Offers a broad range of health care services
- You can’t be denied based on preexisting conditions
- Children can stay on their parent’s health insurance plan
The ACA requires all health insurance plans to cover 10 essential health benefits. This includes doctor visits, emergency services, hospital stays, pediatric services, maternity, and newborn care, and preventive and wellness services.
How Do I Know if I Am Eligible for Coverage?
ACA Health Insurance Marketplace offers tax credits on a sliding scale. If you earn 100%-400% of the Federal Poverty Level (FPL), you will likely be eligible for some form of subsidy. If your income is below 138% of the FPL and your state has expanded Medicaid coverage, you may qualify for Medicaid based on your income. If your income falls below the FPL, you’re not guaranteed subsidies but you’re more likely to be able to qualify for Medicaid.
Aside from this, there are other criteria that must be met such as:
- You are not incarcerated during the time of your application
- You have US citizenship or legal residency
- You are living in the US at the time of your application
- Your income does not exceed 400% of the FPL
- You are not a US Citizen but have a work or student visa
FAQs: Health Insurance Marketplace and the ACAs
Short-Term Health Plans
For those that may not qualify for a subsidy on the marketplace, short-term health plans may be a good option. We have short-term health insurance plans with terms ranging from 1 month to 3 years. Some of these plans offer copays and wellness visits. The Short-term health plans we offer are underwritten which means certain health conditions may prevent you from qualifying.