Let’s face it: navigating the ACA marketplace can be confusing.
Count on Southern Plains Insurance Group for simple, straightforward answers about marketplace insurance enrollment. As a health insurance broker, we can help you decide if an ACA health plan is the right option for you.
What Is
A Marketplace Plan?
The Affordable Care Act, also known as Obamacare, allows individuals and families to purchase health insurance through either Federal or state-run exchanges.
These major medical health insurance policies cover a comprehensive range of services for illnesses, injury, maternity, pre-existing conditions, mental health and more.
Wondering Which Plan to Choose?
How a Health Insurance Broker Can Help You
Southern Plains Insurance Group will help you select the ACA health insurance plan options that are right for you. Our team of licensed health insurance agents can help you compare plans, out-of-pocket costs and coverage so you can make an informed decision.
- Most importantly, our specialist will clearly explain your benefits to you.
- We’ll determine if you qualify for a special enrollment period.
- Our specialists will verify that the doctors and hospitals you use are in network.
- We’ll make sure you receive your full tax credit for your monthly premiums.
ACA Marketplace Health Plan Features
Costs
ACA health plans may have deductibles for certain services. In this case, you’ll pay the deductible and then a percentage of the remaining cost. Government subsidies are available to help cover the monthly premiums if your income is low enough. Each plan has a maximum out of pocket amount. This is the most you’d be required to pay for services that are covered by the plan.
Coverage
Services for preventive care are free and you won’t have to pay a deductible. Doctor visits, hospital stays, prescription drugs, childbirth, pregnancy and mental health services are all covered. There is typically a provider network that you will be required to use for doctor and hospital visits. Dental and vision care for adults is not covered by Marketplace insurance.
Eligibility
Anyone living in the United States who is a U.S. citizen or national and is not incarcerated is eligible to enroll in Marketplace health insurance. Open enrollment begins on November 1 each year for the following year’s insurance coverage. Certain life events may qualify you for a special enrollment period, such as marriage, the birth of a child or loss of other coverage.