While you aren’t required by law to have individual health insurance like individuals were when the Affordable Care Act (Obamacare) first passed, it is generally a good idea to have some sort of health insurance coverage, even if you’re healthy.
If you don’t have healthcare coverage through your employer or your spouse’s employer, we can help you find an individual plan that’s both affordable and has the coverage you need. As independent health insurance brokers in Bel Air, MD, we help you sift through your options. We can also help you if you’re retired but don’t yet qualify for Medicare, or if you’re unemployed.
You can visit healthcare.gov for an idea of if you will qualify for financial help from the federal government to pay your premiums. To get the premium tax credit and other savings, you must apply through a government marketplace. You may also visit your state marketplace. We can help you navigate your options if you live in:
We can help you navigate the marketplace system, and we can also assist individuals who do not qualify for federal subsidy to enroll on an individual plan based on their benefit needs.
Insurance companies use metal levels to describe different types of individual health insurance plans. These are Bronze, Silver, Gold, and Platinum. Generally, the lower your monthly premium, the higher your out-of-pocket costs will be when you need medical services. The Bronze level has the lowest premiums, but you will pay higher costs for the care you need. The Gold level costs the most up front, but you have lower out-of-pocket costs.
You can learn more about the premiums, out-of-pocket-costs, and deductibles, and which metal level plan might be best for you by visiting the explainer page at healthcare.gov. It’s always a good idea to have health insurance to help you pay for preventive care and protect you in the event you have a serious illness or injury requiring hospitalization.
If reading through some of those pages has your head swimming, we can help you make sense of it all and determine what health insurance plan is right for you.
To find health insurance coverage that’s right for you and your stage in life, click the links/logos for a quote. You can also call us at 410-420-2828 for an assessment today or use the contact form. One of our representatives will follow up with you shortly.