NON Obamacare
Plans May Be The Answer
- Large national Aetna Open Choice PPO and PHCS Multiplan networks with access to more doctors & hospitals
- Affordable monthly premiums
- Variety of deductible and out of pocket choices
- Doctor Visits and some preventive care
- Emergency room and ambulance coverage
- Hospitalization and surgical coverage
- Critical illness and accident coverage
- Urgent care benefits, and more
NON ACA plans are an affordable alternative for people that want health insurance for an unexpected illness or injury, but can’t afford a 2019 Affordable Care Act (ACA) / “Obamacare” plan. If you’re healthy and don’t need coverage for maternity, mental health, substance abuse, or a pre-existing condition, then a NON ACA/Obamacare plan may be your best choice.
Term Medical PPO +$5,000 Accident/CI +$3,000 Hospital Expense
Term Medical 5k, 80/20 $1,000,000 Maximum Benefit
- Deductible
$5,000
- Out of Pocket
$7,000
$1 Million
Maximum Benefit
Obamacare Plans
The Affordable Care Act (ACA) / “Obamacare” plans provide coverage for all pre-existing conditions from day 1, without any lifetime or yearly limits for Essential Health Benefits. If you’re receiving medical care and/or prescriptions for a condition you need the insurance company to pay for, or if you qualify for a low income government subsidy to help pay for your coverage, then an ACA/Obamacare plan is probably your best choice. Remember, even though an ACA/Obamacare plan will cover all pre-existing conditions from day 1, you must satisfy your deductible or copay before the insurance company will pay benefits.
Acceptance
- Guaranteed acceptance during the annual Open Enrollment period from November 1st through December 15th
- Day 1 coverage for pre-existing conditions to pay for the care you're receiving now or that is already scheduled
- Subsidies and cost share allowances available for low income households
- No lifetime or yearly limits for Essential Health Benefits
- May have a limited choice of plans, doctors and hospitals depending on your area
- Expensive for people without subsidies or cost share allowances
Subsidies
The Affordable Care Act (ACA) / “Obamacare” determines who gets subsidies and cost sharing allowances and who doesn't. Which category you fit in will most likely determine which path you take for the 2019 plan year.
- Advanced Premium Tax Credit (APTC) - provides a subsidy that will pay a portion of the premium for low income households.
- Cost Sharing Reduction (CSR) - reduces the amount low income households have to pay for deductibles, copayments, and coinsurance.
- Tax Penalties - The tax reform bill known as the Tax Cuts and Jobs Act, passed on 12-20-2017, eliminates the Shared Responsibility Payment tax penalty from the ACA Individual Mandate.
Subsidy
Penalty
Exempt
NO MORE PENALTIES!
The Tax Cuts and Jobs Act of 2017 - signed into law on 12-22-2017, eliminates the Individual Mandate tax penalty for not purchasing an ACA/Obamacare plan. If you purchased a 2018 ACA/Obamacare plan in fear that you would receive a tax penalty, now may be the time to look at an affordable alternative. Families that purchase a NON ACA plan have typical savings of more than $500 per month.
Supplement Plans
BASE
MEDICAL
Critical Illness
Accident
Prescription
Dental
Vision
Hospital Expense
Supplemental Plans
Supplemental plans fill gaps that primary health insurance plans don't cover. Purchasing a primary health plan with a high deductible, then adding a supplemental plan to cover the high deductible can help you save on total premium, while providing immediate coverage for things that would normally be subject to your primary plan deductible.
Let’s start right now in
3 easy steps
- ASSESS
- SHOP
- ENROLL
Easy Enrollment
An online health insurance marketplace where you can easily shop and enroll in the health insurance plans your family needs. Our technology uses direct access carrier feeds for pricing, enrollment and service.
Need Affordable Health Insurance?
2019 Plan Grid
What are your options for the 2019 plan year? Aside from an employer plan, Medicaid or Medicare, government, military or tribal plan, your 2019 plan options are an Affordable Care Act (ACA) / "Obamacare" plan or NON ACA/Obamacare plan.
- Affordabe Care Act / "Obamacare" - These plans are compliant with the ACA and have no lifetime or yearly limits for Essential Health Benefits, and cover pre existing conditions from day 1. Very expensive unless you receive low income subsidies.
- NON ACA / Obamacare - These plans are NOT compliant with the ACA, have maximum limits and do not cover pre-existing conditions. They are an affordable alternative for people that want coverage for unexpected illness or injury, and who cannot afford an Obamacare plan.
Essential Health Benefits
| Enrollment | Public Obamacare | Employer Group | NON Obamacare |
|---|---|---|---|
| Government Marketplace | |||
| AHiX Marketplace |
