The Affordable Care Act (ACA) is the name of the health care reform law and its amendments, which address health insurance coverage, costs, and preventive care. The Affordable Care Act is often referred to as Obamacare since it was signed into law in March 2010 by President Barack Obama.
You can cover just yourself or your entire family
ACA / Obamacare covers everyone no matter your health conditions
Look at each plan’s network and determine if your preferred providers are in-network. If your doctor is not in-network with a plan you are considering but you want to continue to see them, you may want to consider a different plan. You can always ask your doctor directly if they take the health plan you’re considering. If you don’t have any preferred providers, look for plans with large networks and doctors near you.
Examine the out-of-pocket cost differences between plans, including the deductible, copayments, and coinsurance of each plan. While a low premium can be appealing, it may lead to higher out-of-pocket costs, especially if you have a chronic condition or frequently need emergency care or extra visits with a doctor. However, if you know you’re in good health and don’t often need medical care, paying a higher premium may not be the right fit for you. Balance cost and coverage according to your financial and medical needs.
While benefits are not often as important as a factor as network and cost are, it can be helpful in narrowing down your options. Compare the summary of benefits for each plan option you’re considering. See if any of your plans offers a wider range of services, like coverage for mental health care, fertility treatments or emergency coverage. If so, you’ll want to choose the plan with the benefits that help you and your family the most.
Open Enrollment Begins
Last day to enroll or renew coverage for January 1st start dates
Last day of open enrollment
Absolutely not, you are NEVER charged to work with my agency. I am paid directly by the insurance companies I represent.
Signing up for Marketplace Coverage begins November 1st of each year and runs until January 15th of the following year
I represent 10+ companies so that my clients can get the coverage that best suits them
The government offers financial help to those who qualify to help pay part of the monthly cost of the health plan. Use the HealthCare.gov Eligibility Estimator to determine your eligibility.
The government reviews information such as:
The amount of financial help you get will be based on this information. If you qualify, you’ll pay a lower monthly cost for your health plan.
Dain Martindale is an Independent Insurance Agent offering Medicare, Life, and Health care products at affordable rates and can write policies for most major carriers. Licensed in Florida serving the Tarpon Springs community and beyond.
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Currently we represent most major carriers in your area. You can always contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.
