Obamacare Health Insurance has been Reopened: Here's How You Can Save
- Why is Obamacare reopening?
- How much does Obamacare cost?
- Who is eligible for financial assistance through the marketplace?
- Considerations when covering children under Obamacare
- How to search for plans on the open marketplace
- What do open marketplace insurance plans cover?
- How to add dental and vision insurance services
- FAQs about Obamacare
- Can I get Obamacare if I have a pre-existing condition?
- How much will I save with a marketplace health insurance plan?
- Should I apply for Medicaid or Obamacare?
- Can I enroll in marketplace insurance at any time?
- Am I required to pay back discounts received on Marketplace insurance?
- How many Americans do not have health insurance?
- Is Obamacare the same thing as the marketplace?
- The bottom line
Why is Obamacare reopening?
How much does Obamacare cost?
Health insurance pricing factors
- Location - prices vary across the country to keep in line with the cost of living and average job salaries.
- Annual income - how much money you make per year will significantly affect your health insurance premium.
- Age - how old you are will also impact whether or not you’re eligible for a discounted plan.
- Household size - whether or not you’re applying for yourself, yourself and a spouse, your children, or an entire household will play a large role in determining the cost of your premium. Their ages will also impact your pricing.
- Smoking habits - if you or anyone on your plan smokes, you’ll end up paying a higher premium.
- Spouse’s coverage availability - if your spouse is able to enroll in a healthcare plan through their job, you may pay more for a free marketplace plan.
Scenario 1 - Individual making $50,000 per year
Scenario 2 - Single parent with two kids making $40,000 per year
Scenario 3 - Couple with two kids making $75,000 per year
Who is eligible for financial assistance through the marketplace?
Considerations when covering children under Obamacare
How to search for plans on the open marketplace
Step 1: Create an account on the healthcare.gov website
Step 2: Fill out your application
Step 3: Review health care options
What do open marketplace insurance plans cover?
- Emergency services - this includes examinations in hospital emergency rooms (urgent care visits are generally excluded from this offering).
- Ambulatory services - to and from hospitals and other outpatient facilities.
- Hospitalizations - procedures, surgeries, and overnight stays.
- Pregnancy services - this includes before birth care, after birth care, and newborn services.
- Prescription drugs - for authorized drugs and refills.
- Pediatric services - this includes both dental and vision insurance (for children only), as well as general child health services.
- Mental health and substance abuse services - this would include counseling, behavioral health treatments, and psychotherapy.
- Rehabilitative services - this includes any help prescribed to recover physical or mental capabilities following an accident, injury, health issue, or disability diagnosis.
- Laboratory services - this could include blood work and other cultures.
- Preventative and wellness services - this includes annual appointments and chronic disease management services.
How to add dental and vision insurance services
FAQs about Obamacare
Can I get Obamacare if I have a pre-existing condition?
How much will I save with a marketplace health insurance plan?
Should I apply for Medicaid or Obamacare?
Can I enroll in marketplace insurance at any time?
Am I required to pay back discounts received on Marketplace insurance?
How many Americans do not have health insurance?
Is Obamacare the same thing as the marketplace?
The bottom line
Reclaim Up to $610/Year in Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?
A website called CarInsurance.net makes it super easy to see if you’re getting the lowest price. All you have to do is enter your ZIP code and your age, and it’ll show you your options.
Using CarInsurance.net, people have saved up to $610 a year.
It takes just a few minutes to see how much CarInsurance.net could put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.