"How do I get health insurance?" — This question has become more common since the passing of the Affordable Care Act (ACA), which requires all Americans to have health insurance. If you are unsure of where to shop for policies, or have questions regarding your current insurance plan, HealthMarkets Insurance Agency can help.
Since 2010, we've helped thousands of Americans enroll in health insurance. Our Best Price Guarantee ensures that no matter what type of insurance policy you purchase from us, you'll always find the lowest price. Our licensed agents are available at your convenience to find you the right plan today.
How to Buy the Right Health Insurance
When you're ready to begin your search for the health plan you and your family need, it's important to ask yourself a few questions before getting started:
How much coverage does my family need?
A good way to know what type of plans you need is by knowing how much coverage you'll need during the enrollment year. This can be different for health families or for families who need to visit a doctor, specialist, or hospital on a more regular basis.
Under the ACA, you have the option between four levels of coverage (known as "metal levels") to help you find the right coverage for the right price. In general, the more you pay for your health insurance premiums, the more coverage you and your family may end up getting. Levels include:
- Bronze: 60% covered by your health insurance provider, 40% covered by you.
- Silver: 70% covered by your health insurance provider, 30% covered by you.
- Gold: 80% covered by your health insurance provider, 20% covered by you.
- Platinum: 90% covered by your health insurance provider, 10% covered by you.
What types of services will my plan cover?
Another provision that the ACA provides is the mandatory coverage of ten essential health benefits and preventive care services under all health insurance plans. This means that when you receive certain necessary services, they should be entirely covered by your plan if you visit a provider within your plan's network.
Covered essential health benefits can include:
- Prescription drugs
- Emergency services
- Pregnancy, maternity, and newborn care
- Laboratory services
- Mental health and addiction services
Covered preventive services can include:
- Cancer screenings
- STD screenings
- Blood pressure tests
By understanding what you get with your health insurance plan, it can make shopping for a health insurance plan simple — and working with HealthMarkets makes it easy.
The Insurance Help You Need, When You Need it
HealthMarkets offers a face-to-face meeting with a licensed agent at your convenience to help you answer, "How do I get health insurance?" We work to simplify the process on your end and provide you with all the options you need to make the right choice.