Health Insurance

The Marketplace offers the best health insurance plans nationwide. If you have not had medical insurance in a long time just because you have always found it to be expensive, then the Marketplace is where you will find cheap health insurance quotes. Not only are these plans cheap but they are also secure insurance across the USA.

Many people misunderstand and think that purchasing a marketplace plan means purchasing a government plan. The fact is, the plans available on the Marketplace are private health insurance providers that save your time and help you find the right health Insurance Plan. Yes, these plans are from top major USA health insurance carriers. Visit the Marketplace to get medical insurance quotes for individuals and families before December 15th.

All insurance plans offered in the Marketplace cover these 10 essential health benefits:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)

  • Emergency services

  • Hospitalization (like surgery and overnight stays)

  • Pregnancy, maternity, and newborn care (both before and after birth)

  • Mental health and substance use disorder services, including behavioural health treatment (this includes counselling and psychotherapy)

  • Prescription drugs

  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

  • Laboratory services

  • Preventive and wellness services and chronic disease management

  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Additional benefits:

Plans must also include the following benefits:

  • Birth Control Coverage

  • Breastfeeding Coverage

Essential health benefits are minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state’s requirements. Plans may offer additional benefits, including:

  • Dental Coverage

  • Vision Coverage

  • Medical management programs (for specific needs like weight management, back pain, and diabetes)

When comparing plans, you’ll see exactly what each plan offers.

Short-Term health insurance is available to the applicant for a maximum of 3 yrs if needed and can be canceled at any time. Short- Term health insurance is not “minimum essential coverage” as defined by the ACA. As of January 1, 2019, there is no federal tax penalty for not having minimum essential coverage. However, tax penalties may still vary at the state level. Consult your tax advisor for more information.