In today’s healthcare market, it is hard to know where you can find affordable health healthcare in Oregon. You have heard of Obamacare and the Affordable Care Act (ACA). You heard something about an exchange. You may even have heard the term “enrollment.” But translating this patois into actual English can be tricky, to say the least. The good news? In Oregon, you have more affordable healthcare access than some other states in the country. HealthMarkets Insurance Agency can help you go through the options.
The Affordable Care Act in Oregon
Obamacare refers to the health insurance reforms mandated by the Affordable Care Act of 2010. The act offers some consumer protections; for instance, under the law, insurance plans usually can’t exclude you from coverage because of pre-existing conditions. Obamacare also created new health insurance plans with regular rates. Some consumers may qualify for government subsidies to help offset those rates. To find these plans and discover whether you qualify for government subsidies, you need to go to a health insurance exchange.
The health insurance exchange is an online marketplace in which you can compare different plans from the carriers who offer Obamacare in your area. You’ll find out how much you’ll pay for premiums based on your location, family size, and income, and learn about the best plans for your budget. When you decide on a plan, you can enroll through the exchange.
Enrollment is the process by which you sign up for a healthcare plan. You can usually enroll in a plan only during a specific time period. This period is called the Open Enrollment Period in reference to Obamacare, and it’s important; most people who miss Open Enrollment cannot have Obamacare again until the next year. The next Open Enrollment period runs from November 1, 2015 through January 31, 2016.
How do I find an insurance exchange and enroll in Obamacare in Oregon?
In Oregon, you have three different kinds of health insurance exchanges at your disposal, and all of them can offer you Obamacare plans. The first is the federal exchange, called the Health Insurance Marketplace. The second is your state exchange, Cover Oregon. And your third option is to enroll in Obamacare through a private exchange like HealthMarkets Insurance Agency.
HealthMarkets Insurance Agency is a private insurance exchange. We offer the same service as your federal or state exchanges, but we also staff thousands of expert licensed agents who can help you translate the health insurance world and make affordable healthcare decisions. Our service is free; you don’t have to pay anything at all to start looking for healthcare plans. Just get online or pick up the phone, and we’re right here to help you out.
At HealthMarkets, we’ve done the research, so you don’t have to. Just contact us and tell us what you’re looking for, and we’ll quickly match you to the companies and policies that have what you need, at a price you can afford. In Oregon, you’ve got options, and we can help you find the best one for you. Call us today!