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Obama Care Plan Health Insurance

(UPDATE): COVID-19 is making things from a health insurance standpoint a little hard to understand. If you've recently lost a job resulting in lost health coverage, or had a change in income, you can still qualify for ACA plans because those are considered Qualifying Life Events (QLE). If this applies to you, we can help you find affordable health coverage during this Special Enrollment Period. For those of you 65 years and older, we can help you find Medigap Insurance, which will ensure your health is fully covered during these uncertain times. Obamacare and The Affordable Care Act can be a little confusing with the changes to providers in the program for each state, and the difference between private and exchange health plans. Short term health insurance in between enrollment periods. Government health insurance tax subsidies.


We're here to help shed some light on the changes and help you find affordable obama care plan health insurance to fit your budget and situation. We can help you find Health Plans For Obamacare. Private health insurance policies that can be changed and purchased outside of the marketplace at anytime. The best thing to do is avoid confusion and talk with a licensed health insurance professional. Speak live instantly with an agent toll-free at (844) 899-9853 We can help you explore your options. The individual mandate requiring all US citizens to have health insurance or risk a fine was rolled back at the end of 2018. There is no longer a federal penalty for being uninsured. There are still certain states who have enacted their own health insurance penalties. As of 2020, there are still penalties and individual mandates in Massachusetts, New Jersey, California, Rhode Island, and the District of Columbia. Obamacare Individual Mandate. There used to be an Obamacare penalty for not having insurance.

What is Obamacare?

Obamacare is really just a generic name for The Affordable Care Act, President Barack Obama's plan for healthcare reform in the United States. Individuals will be required to carry health insurance or run the risk of paying fines under Obamacare We can help you find affordable health insurance to avoid any fines imposed by the healthcare reform. Obamacare Enrollment comes around once every year and the period typically lasts for 3 months. This is time to shop for new plans or change current ones. You can also qualify for an on exchange ACA health plan outside of Enrollment if you have a qualifying life event. If you've moved to a new state, gotten married or divorced, had a child, changed or lost employment, or lost your health coverage, those would all be considered a Qualifying Life Event (QLE) and allow you to get health coverage outside of Annual Enrollment during a Special Enrollment Period.

Do I Have To Buy My Health Insurance From an Exchange?

There are open exchanges and they are different in every state. Some of the insurance companies we work with are on these exchanges in certain states, but not in others. It's important to remember that you do not need to buy your health insurance through state healthcare exchanges. Can I get private health insurance? There are still many private insurers out there who will provide coverage at competitive rates, sometimes cheaper, so it's important to shop around. If you buy private insurance, you're not eligible for subsidies or tax breaks, but you may have a wider variety of insurers with different pricing to chose from. Obamacare enrollment period for marketplace plans is now closed, give us a call for post enrollment options.

We can help you find exchange health plans, and we can also match you to affordable private health insurers. Insurance policies must cover certain benefits in order to be certified and offered on the Health Insurance Marketplace, and all Medicaid state plans must cover these services. If you already have a health insurance policy, we can make sure everything is up to date and ready to go for the changes by providing you a free quote. We can probably even save you money from your current health plan.

Obamacare History

Starting in 2014, The Affordable Care Act, otherwise known as Obamacare, made it illegal for insurance companies to deny coverage to people with pre-existing conditions. Pregnancy is no longer be considered a pre existing condition and it will be possible to get maternity insurance whether you're already pregnant or not. That has not been the case until now. Many insurance providers would deny coverage to people with pre-existing conditions. Under Donald Trump, the Obamacare Individual Mandate ended at the end of 2018. Which means, you are no longer at risk of a Federal penalty for not having health insurance.


Obamacare Health Plans can help you find affordable health insurance to take care of the cost of your medical bills. We will search for providers to fit your situation and find you the best rate and take the guesswork out of the equation for you. That will give you the peace of mind and time to focus on staying healthy and living your life. Don't let the stress of the healthcare changes get to you. We'll locate obama care plan health insurance for you by comparing insurance providers