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from Nov 1 – Jan 15.
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Tips For Finding The Right Plan
How to Buy the Right Health Plan
Whether this is your first-time shopping for healthcare, or you’re looking to explore different coverage options, you’re not alone!
Many Americans every year seek the help of a professional agent to learn more about the different plan options available in their states.
Shop Around + Compare Pricing
You wouldn’t make any significant purchases without shopping around, would you? Buying healthcare isn’t any different.
Before you decide on a plan, we recommend you get at least 2-3 other plan comparison options. It is always important to consider how much you are willing to spend monthly and the level of coverage you need.
Learn About Your Options
Most buyers select a plan on price only. Although affordability is important, choosing a plan that has coverage for your specific needs is equally as important.
Ask yourself a few questions:
- How many times do I plan on seeing the doctor this year?
- Does the plan I am selecting have coverage for my medication?
Make sure to understand your options and ask as many questions as possible when speaking to any agent.
Choosing The Right Network
“Does my Doctor accept this?”
Different plans have different coverage options when it comes to their network policies. A plan with a broad network of doctors is known as a PPO, while narrow networks are classified as an HMO. Ask yourself “Do I want the ability to keep my current doctor?” If so, you may want to choose a plan that has access to a PPO healthcare network. If you do not plan on seeing a specific physician, an HMO network offers a variety of other provider options.
Tips For Finding The Right Plan
How to Buy the Right Health Plan
Whether this is your first-time shopping for healthcare, or you’re looking to explore different coverage options, you’re not alone!
Many Americans every year seek the help of a professional agent to learn more about the different plan options available in their states.
Shop Around + Compare Pricing
You wouldn’t make any significant purchases without shopping around, would you? Buying healthcare isn’t any different.
Before you decide on a plan, we recommend you get at least 2-3 other plan comparison options. It is always important to consider how much you are willing to spend monthly and the level of coverage you need.
Learn About Your Options
Most buyers select a plan on price only. Although affordability is important, choosing a plan that has coverage for your specific needs is equally as important.
Ask yourself a few questions:
- How many times do I plan on seeing the doctor this year?
- Does the plan I am selecting have coverage for my medication?
Make sure to understand your options and ask as many questions as possible when speaking to any agent.
Choosing The Right Network
“Does my Doctor accept this?”
Different plans have different coverage options when it comes to their network policies. A plan with a broad network of doctors is known as a PPO, while narrow networks are classified as an HMO. Ask yourself “Do I want the ability to keep my current doctor?” If so, you may want to choose a plan that has access to a PPO healthcare network. If you do not plan on seeing a specific physician, an HMO network offers a variety of other provider options.
Important Healthcare Terms
The Affordable Care Act
The Patient Protection and Affordable Care Act was the first part of the comprehensive health care reform law passed on March 23, 2010. The law was soon amended by the Health Care and Education Reconciliation Act on March 30, 2010. The phrase “Affordable Care Act” is commonly used to refer to the final, amended version of the law.
Open Enrollment Period
Open Enrollment Period is an annual interval of time in which individuals can enroll in a health insurance plan through the Federally Mandated Health Insurance Marketplace. Open Enrollment takes place from November 1st – December 15th, with all plans effective January 1st of the following year.
Special Enrollment Period
To enroll in an Affordable Care Act plan outside of Open Enrollment, you would need to qualify for a Special Enrollment Period based on a life-changing event; (i.e. loss of job, new child, recently moved, and various other qualifying events.)
Important Healthcare Terms
The Affordable Care Act
The Patient Protection and Affordable Care Act was the first part of the comprehensive health care reform law passed on March 23, 2010. The law was soon amended by the Health Care and Education Reconciliation Act on March 30, 2010. The phrase “Affordable Care Act” is commonly used to refer to the final, amended version of the law.
Open Enrollment Period
Open Enrollment Period is an annual interval of time in which individuals can enroll in a health insurance plan through the Federally Mandated Health Insurance Marketplace. Open Enrollment takes place from November 1st – December 15th, with all plans effective January 1st of the following year.
Special Enrollment Period
To enroll in an Affordable Care Act plan outside of Open Enrollment, you would need to qualify for a Special Enrollment Period based on a life-changing event; (i.e. loss of job, new child, recently moved, and various other qualifying events.)
Your Search For Affordable Healthcare Is One Click Away
Enter your zip code above to review affordable healthcare options in your state.
Attention/Disclaimer: ▼
Attention:
Healthcare-Marketplace.com is an independent marketplace and is not a federal or state Marketplace website, nor endorsed by Medicare. *Healthcare-Marketplace.com does not provide quotes or sell any product directly to consumers. This is an independently owned and operated, advertising-supported website. In offering this website, Healthcare-Marketplace.com is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Federally Facilitated Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Federally Facilitated Health Insurance Marketplace website at HealthCare.gov.Affordable Care Act (ACA)
Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a "Qualified Health Plan" and provide “minimum essential coverage” to enrollees. Residents of certain states may not be able to enroll in ACA-compliant health insurance through this website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Federally Facilitated Marketplace.Short Term Medical (STM)
Short Term Medical (STM) Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act. STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling. Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits. If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.Fixed Indemnity/Limited Indemnity Plans
Indemnity Plans are a supplement to health insurance. They are not a replacement for health insurance or a substitute for the minimum essential coverage required by the Affordable Care Act. Plans generally do not cover preexisting conditions, and generally pay you up to the fixed benefit amount for covered services. If you are on (or eligible for) Medicaid, payments from these plans may affect your coverage or eligibility. Check with your Medicaid agency for more information.
