Individual Health Insurance
Client Centered
The healthcare marketplace or Obamacare is confusing. With the changing laws and the cost of healthcare on the rise, you can’t afford to take chances with healthcare. If you are self-employed, unemployed, retired, or a student, we can help you sort through different options and find the plan at a price you can afford.When the healthcare marketplace opened up for individuals to apply for insurance on their own, there were still many questions that consumers didn’t know the answers to. We are here to help.
What is the Affordable Care Act?
The Affordable Care Act (ACA) provides individuals and families greater access to affordable health insurance options. It provides rights and protections that make healthcare fair and easy to understand. The affordable care act protects Americans with pre-existing conditions. Insurance companies can not deny coverage based on a person’s medical history or health conditions. Every health plan in the Marketplace offers the same set of essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
Bronze
Bronze plans cover about 60 percent of your healthcare costs. They offer lower monthly costs but higher out-of pocket costs.
Silver
Silver plans cover about 70 percent of healthcare costs and you qualify for extra cost sharing.
Gold
Gold plans cover about 80 percent of healthcare costs. They have a higher monthly payment but offer lower out-of-pocket costs.