Individuals & Families

Your income is a crucial factor in determining your health insurance costs, especially if you are purchasing a plan through the Health Insurance Marketplace. This is primarily because of the Advanced Premium Tax Credit (APTC), which is designed to make health insurance more affordable for individuals and families with moderate incomes.

The Advanced Premium Tax Credit is a subsidy provided by the federal government that helps lower the monthly premiums for health insurance plans purchased through the Marketplace. The amount of the credit you receive is based on your estimated household income for the year.

Yes, you can find individual health insurance that covers maternity care. Under the Affordable Care Act (ACA), all individual health insurance plans offered through the Health Insurance Marketplace are required to cover maternity and newborn care as part of their essential health benefits. This includes prenatal care, labor and delivery, and postnatal care. It’s important to review the details of each plan to understand the specific coverage and any associated costs, such as deductibles and co-pays. If you’re considering becoming pregnant or are already pregnant, ensure the plan you choose meets your needs and budget.

If your family is still growing, we can help find health coverage that will meet your needs.

Yes, you can get health insurance coverage even if you have a pre-existing condition. Under the Affordable Care Act (ACA), health insurance companies cannot deny you coverage or charge you higher premiums based on your health history. This provision ensures that individuals with pre-existing conditions, such as diabetes, heart disease, or cancer, have access to the same health insurance options as those without such conditions.

All plans offered through the Health Insurance Marketplace must cover treatment for pre-existing conditions from the day your coverage starts. This means that if you enroll in a Marketplace plan during the open enrollment period or qualify for a special enrollment period, you can rest assured that your pre-existing conditions will be covered without any waiting periods or exclusions.

Moreover, health insurance plans cannot charge you more due to your pre-existing conditions. Premiums are based on factors like age, location, and tobacco use, but not on your medical history. This protection provides peace of mind and financial security, ensuring that you can receive the necessary care and treatments without facing prohibitively high costs.

You should review your health insurance coverage at least once a year, typically during the open enrollment period. This is the time when you can compare different plans, update your information, and make any necessary changes to your coverage. It's important to ensure that your current plan still meets your healthcare needs and budget, especially if there have been changes in your health, financial situation, or the plan's benefits and costs.

Additionally, you should review your coverage whenever you experience a significant life event, such as retirement, a change in income, marriage, or the birth of a child. These events might qualify you for a special enrollment period, allowing you to adjust your health insurance outside of the standard open enrollment period. Regularly reviewing your coverage ensures that you always have the most appropriate and cost-effective plan for your situation.

Our job is to be your trusted partner and to help you find health coverage that gives you the confidence to make your next move in life with confidence. This means reviewing all options that are available to you, including Marketplace alternatives.

Though not a right fit for every person, alternatives to the Marketplace like Healthcare sharing programs or underwritten health insurance products will be a part of our thorough review process with you.