Got Questions?

What type of affordable health plan options can I find?

Finding health insurance that fits all your medical needs doesn’t need to be difficult. But it’s important to remember health plans aren’t a one-size-fits-all solution. No one knows your needs better than you. So take some time to learn about various types of health options and work with your agent to find the best fit.

What are Community/Cost Sharing Plans

Community/cost-sharing plans are not real health insurance plans.
When you purchase a cost-sharing plan, you aren’t buying health insurance. Instead, you’re buying into a community plan that pulls everyone’s monthly payments together and uses that money to help pay for its member’s out-of-pocket medical expenses.

What are Short Term Insurance Plans

Short-term health insurance is designed to fill gaps in coverage. It’s ideal for people who are:
Switching jobs and in-between benefits.
Waiting to be Medicare-eligible.
Not qualified for an ACA plan, but will have other insurance in the near future.
Transitioning from their parent's health insurance plan to their own.
Keep in mind, short-term plans aren’t required to meet the same guidelines as ACA plans. Because of this, many don’t cover pre-existing conditions. Some plans also have maximum payout amounts and waiting periods for coverage to begin. So, when choosing a short-term plan, it’s important to completely understand what is and isn’t covered before you buy.

What should I ask my agent when speaking to them on the phone to ensure I get the right plan?

Is this a managed care or an indemnity plan?
Is this plan ACA compliant?
Is this a cost-sharing plan or is it real health insurance?
Is this health insurance or a plan that supplements my current health insurance?
How much money do I have to pay out-of-pocket annually for care?
Is there a co-pay for visits? If so, what is it?
Does this plan include dental, vision care, and other special services?