If you are looking for affordable health insurance, it helps to know where to find policies that fit your healthcare needs. Fortunately, the Affordable Care Act (often referred to as the ACA or Obamacare) was designed to get uninsured Americans health care they can afford. This means that whether you are currently uninsured, insured with coverage that is not working for you, or are looking for more affordable health insurance options, the ACA intends to help you.
HealthMarkets Insurance Agency can help you, too! Since 2010, we have helped enroll Americans in over 4 million insurance policies and our licensed agents are available by phone 24/7 to walk you through your health insurance options. We will consider your health and financial needs, and compare them with thousands of plans to find the one that can work for you.
What to Look For in Affordable Health Care
To make health insurance more affordable, the ACA introduced four categories of health coverage, named for precious metals: Bronze, Silver, Gold, and Platinum.
In general, each plan has an estimate of how much coverage your health insurance provider will give when you receive care based on how much you may pay in monthly premiums.
Depending on which plan you choose can determine how much you may pay in out-of-pocket costs. Here's how these plans can cover you:
Bronze Plans have the highest out-of-pocket expenses in exchange for lower premiums.
Silver Plans have lower out-of-pocket expenses and higher monthly premiums than the bronze plans.
Gold Plans have even lower out-of-pocket expenses than the silver plans, but higher premiums.
Platinum Plans have the highest monthly premiums in exchange for low out-of-pocket expenses.
For generally healthy families, a Bronze or Silver plan may help keep your health insurance costs low. With essential health benefits, most necessary health services are covered under the ACA, so you can still receive your annual care without paying high premiums.
On the other hand, for families who require more medical attention, a Gold or Platinum plan may have higher premiums, but you can take comfort in knowing that your copayment, coinsurance, and deductibles will stay low when you see a specialist or go to the hospital.
To find out which of these metal levels will work for your needs, contact HealthMarkets.
HealthMarkets Makes Finding Affordable Health Plan Easy
When you call HealthMarkets Insurance Agency, we can help you explore these options to find a plan that works for you. Remember that for each category of plan there are thousands of policies from hundreds of companies; and HealthMarkets can help you sort through all these options and make more sense of looking for affordable health care.