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When was the last time you considered your health insurance? If you haven’t recently filled a prescription or seen a doctor, it’s possible that the last time you thought about your insurance plan was during open enrollment last fall. You can get a head start this year before open enrollment by learning about the various types of health insurance available to you.
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About Health Insurance
What is the Government Healthcare?
Medicare and Medicaid are health insurance programs that are funded by the government where individuals under the age of 67 years of age can be available for health benefits from their employers.
Significantly, the health care system is overseen by the Social Security Act that regulates all federally funded health insurance programs.
Health care reform took a big leap in the United States with the Patient Protection and Affordable Act or PPACA and ACA also known as Obamacare.
The reform is designed to eliminate pre-existing condition screenings, policy cancellations etc. especially when the illness seems imminent.
The policy is meant to cover and benefit the vulnerable populations of the country.
How do I buy Health Insurance?
For some, buying health insurance can be a confusing and overwhelming process. First, you have to find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of that information, you can evaluate your options. It is a very personal and complicated process, but there are ways to simplify it.
Now that the Affordable Care Act (sometimes referred to as “Obamacare”) is in place, it is much easier to find a health insurance plan based on your income and personal health needs. In most states, you may even qualify for financial subsidies. You can quickly and easily apply for coverage through the new Healthcare Marketplace.
Before you settle on a plan, you should first get a quote, find a price, and discover any out-of-pocket expenses your plan will expect you to pay (such as deductibles, co-insurance, and copay charges). Once you have all of this information together, it will be easier to find coverage which fits your needs.
What is the Healthcare Marketplace?
The passage of the Affordable Care Act established the Healthcare Marketplace. There are two distinct divisions – a state level, and a federal level. 37 states are members of the federal exchange, and 14 are limited to a state exchange. Unfortunately, not all insurance companies are required to provide information about their plans and prices to the Healthcare Marketplace, so be prepared to do some local searching for affordable plans in your area.
The Healthcare Marketplace may also be referred to as the Health Insurance Marketplace. It is a website managed by the federal government. When you visit, you can enter a few personal details about yourself and start shopping for plans in a matter of minutes.
What’s the “Health Insurance Exchange”?
The Health Insurance Exchange is the pool of health care plans and providers which are cooperating with the federal government in order to provide affordable health insurance to Americans in many states. 37 states are members of the Exchange on the federal level: AL, AK, AZ, AR, DE, FL, GA, HI, IL, IN, IA, KS, LA, ME, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, and WY.
To see if you qualify for a tax subsidy, you need to enroll on the Healthcare Marketplace website (either the federal one, or your state’s website). If you do not qualify for a subsidy for whatever reason, you have the option of shopping through the Exchange or in your state’s private marketplace.
Compare Individual and Family health care Plans
Savings Insurance marketplace individual and family plans offer major medical insurance which is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can help your budget to save you money on routine doctor’s visits, prescription drug coverage, preventive care (no additional charge above the premium) and other medical services that are the other “10 essential health benefits.” The plan will typically come with costs such as a monthly premium, an annual deductible, co-payments, and coinsurance.
What is an Individual and Family plan?
Individual and family plans have been around for decades. In recent years, the title has been given to health insurance plans that are compliant with the requirements of the Affordable Care Act.
These requirements include:
Guaranteed issue regardless of pre-existing conditions
Coverage for historically undercovered conditions such as maternity and mental health treatments
Fixed premium/ age ratio
Coverage for prescription drugs
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