Finding affordable healthcare insurance can be challenging. HealthMarkets Insurance Agency can give you exactly that kind of personal guidance in our insurance marketplace. We have thousands of licensed agents ready to help you find the best insurance deal, day or night. Our free service compares your needs and budget with policies from more than 180 national and regional insurance companies to match you with the coverage that fits you best.
So Begins The Epic Journey To Find Affordable Healthcare...
What’s The Most Affordable Healthcare Insurance For Me?
In recent years, sweeping changes have reshaped America’s healthcare insurance landscape. These changes were intended to help uninsured or under-insured Americans, and they may affect just how affordable healthcare insurance could be for you.
In 2010, the government passed legislation called the Affordable Care Act. Among other things, this law mandated that four tiers of healthcare insurance plans be made available to most Americans, scaled by affordability. Their names? The Bronze, Silver, Gold and Platinum Plans. The specifics of each plan may vary according to your income and the region in which you live, but in general, there are three important important things to know about them:
- The plans are scaled according to the percentage of your total health insurance costs they cover. The ratio between their premiums and out-of-pocket expenses, like deductibles and copays, differ. In general, Bronze and Silver plans have lower premiums and higher out-of-pocket expenses. In Gold and Platinum plans, the reverse is true.
- The plans cap your out-of-pocket expenses for the year at a given amount. Past a certain sum of money, you likely cannot be made to continue to pay deductibles, copays, or coinsurance for your medical care.
- Depending on your income and which plan you choose, you may be able to get government subsidies to help you afford your health insurance.
When you call HealthMarkets Insurance Agency, we’ll help you look at each of these plans to determine which one, if any, may be right for you. If these plans are still out of reach for you financially, we can also help you determine whether you qualify for even more affordable options, like Medicaid.
To learn more about the affordable healthcare insurance that’s right for you, just contact us online or on the phone. You can even personally meet with a local, licensed insurance agent. Regardless of how you contact us, HealthMarkets is glad to help you on your search for healthcare insurance savings. We’ll ask a few questions and then get to work finding you great options for affordable healthcare insurance that works for your needs and budget.