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With the mandated changes brought by the Affordable Care Act (ACA), finding affordable health insurance in Arizona has become more accessible than before. If you aren't covered at work, or if you've been recently dropped by your employer's insurance company, now is the time to purchase health insurance.

Arizona residents have choices, and HealthMarkets Insurance Agency can help you determine what type of coverage you and your family need. Since 2010, we've sold over 2 million plans to families across the nation, and we're confident we can help you find the right plan, too. 

shoping for health insurance arizonaChoosing Your Health Plan in Arizona

Due to the provisions that came from the ACA, Arizona residents have more accessibility to affordable health plans that before. Of these changes came the option to choose from four different levels of coverage, or "metal levels," to help families with specific medical or budget needs. 

The four plan types are:

  1. Bronze: 60% covered by your health insurance provider, 40% covered by you.
  2. Silver: 70% covered by your health insurance provider, 30% covered by you.
  3. Gold: 80% covered by your health insurance provider, 20% covered by you.
  4. Platinum: 90% covered by your health insurance provider, 10% covered by you.

Generally, the more you pay in monthly premiums for your health plan, the more coverage you'll receive from your health insurance provider. This can be especially good for families who are generally healthy and want to keep premiums low, or for families who frequently visit the doctor, specialist, or hospital, and want to keep out-of-pocket costs low. 

However, no matter what level of coverage you purchase, the ACA requires that all health plans include ten essential health benefits. These benefits were determined to be necessary health services that maintain good overall health. This includes:

  1. Prescription drugs
  2. Pediatric services
  3. Preventive and wellness services, and chronic disease management
  4. Emergency services
  5. Hospitalization
  6. Mental health and addiction services
  7. Pregnancy, maternity, and newborn care
  8. Ambulatory patient services
  9. Laboratory services
  10. Rehabilitative and habilitative services and devices

These, in addition to covered preventive services help families looking to stretch their money find the health coverage they need without going over budget.

Find AZ Health Care with HealthMarkets

There are many options when it comes to health insurance. Arizona residents can sometimes find the number of available plans to be confusing. HealthMarkets Insurance Agency is your go-to source for finding the level of health insurance that’s right for your family's needs. Our licensed representatives are waiting to provide you with a quote in just five minutes or less on the phone or online. Don't navigate the health insurance market without the help of a professional.

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Source:

Forbes: http://www.forbes.com/sites/investopedia/2013/10/01/how-to-choose-between-bronze-silver-gold-and-platinum-health-insurance-plans/

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