OBAMACARE PLANS
AFFORDABLE CARE ACT (ACA), ALSO KNOWN AS OBAMACARE
Things you need to know regarding Obamacare:
This important act was signed into law by President Obama on March 23rd, 2010. The primary objective was to guarantee affordable health insurance for everyone in the United States.
It works by providing consumers with subsidies (premium tax credits) to lower the cost of coverage for households whose income is considered at or below the poverty level.
The law also states that insurance companies are not allowed to deny coverage if there is a compelling need.
It also requires that insurance companies cover wellness exams, lab tests, emergency room visits, contraception, and pregnancy. Additionally, that children are guaranteed coverage under their parents’ insurance until they turn 26.
Last, but most assuredly not least, this act prevents insurance companies from citing preexisting conditions as a reason to deny coverage.
The ACA has four plans to choose from:
By law, the four metal plans below must meet the Ten Essential Health Benefits, which includes a free wellness visit and preventative care.
Bronze: This level has the highest out-of-pockets costs, but the lowest monthly premium.
Silver: This plan also has a low monthly premium, but it includes more routine care than the Bronze. It offers additional savings for people eligible for cost-sharing subsidies.
Gold: This choice provides less out-of-pocket costs when visiting a doctor, going to emergency, or if you require prescriptions, but it has a higher monthly premium.
Platinum: This plan has the lowest out-of-pocket costs, but also the highest monthly premiums.
How Obamacare and traditional health insurance differ
Obamacare uses subsidies, directives, and insurance exchanges to provide accessible, quality, affordable healthcare. It also provides everyone with an open market for health insurance coverage, taking into account every benefit to make it more affordable. If you and your family are low-income, the Affordable Care Act can provide you insurance for your budget and we are here to guide you through the process of applying for it!
How do I get started?
What makes My Healthcare America special?
Our goal is to find you the best, and least expensive, personalized insurance coverage. We help you compare plans so that you don’t aren’t stuck with high deductibles, co-pays, or other out-of-pocket costs.
What do you charge for these services?
Not one dime. We are a completely free platform to assist you in finding the health insurance program that’s best for you.
All the different plans look confusing. Can you help me find what I need?
Absolutely! We have licensed professional who can help you navigate your options, so you can rest easy that you’re making the best decision for you.
I already have a plan. Why should I consult My Health Care America?
Insurance carriers change their plans every year; a plan that’s been working for you may not be your best choice this year. We provide you and easy way to compare “apples to apples.”
What do I have to do to get started?
All you have to do is , click here. We ask you a few questions so that we can search for the best coverage for you.
Knowledgeable, licensed representatives are on stand-by to help you make informed decisions. Health care coverage is imperative, whatever your income status. Our licensed insurance agents will help you find the most affordable plan for you.
Knowledgeable, licensed representatives are on stand-by to help you make informed decisions. Health care coverage is imperative, whatever your income status. Our licensed insurance agents will help you find the most affordable plan for you.
Affordable Plans
Our licensed agents are ready to give you a free quote today and you’ll save money tomorrow!
If You Have Questions, We Have Answers!
Our highly trained insurance representatives can assist you every step of the way, from enrollment until you receive confirmation you’ve completed every step correctly.
Comparing Your Choices
We simplify the often-confusing choices promoted by insurance companies. By doing this, we can save you a lot of money!
Preferred Provider Organization (PPO) Plans
This flexible plan lets you use doctors, hospitals, and specialists outside of your network for an additional fee. With this plan, you don’t have to get a referral from your primary doctor to see a specialist. This allows you to be seen faster without any hassles.
