Individual Medical Insurance
(Under 65)
Major Medical and the
Affordable Care Act (ACA)
Marketplace Insurance
In an effort to make healthcare more affordable, the U.S government created the Health Insurance Marketplace where individuals who may not be able to purchase health insurance elsewhere, have access to healthcare plans. There is also the potential to qualify for premium tax credits and cost sharing reductions which could lower your monthly premiums and overall cost.
The Affordable Care Act (ACA) is considered guaranteed issue and guaranteed renewability without any pre-existing condition clauses. The various insurance carriers that offer marketplace insurance have increased dramatically since it’s inception, and the HMO and PPO network of doctors and hospitals have grown with the expansion.
To find which plans cover your existing doctors and prescriptions, and determine your eligibility for a subsidy, contact us for a quote or you may view possible plans by entering your information here.
Limited-Benefit Medical Insurance
Limited-benefit medical insurance plans are plans with much lower and more restricted benefits than major medical insurance, but with lower premiums. These plans are intended to provide you and/or your dependents with basic medical coverage for specified diseases and medical conditions, as well as accidental injuries.
Coverage is capped at specific amounts for specific types of services. Individual health plans may present a good value for healthy individuals because of the lower cost for coverage.
It is important to keep in mind that pre-existing conditions are taken into consideration and may not be covered or be subject to a waiting period. For additional information, contact us to learn more.