Health Plans

Know your health insurance options in 2016

2016 Health Plan Options

Public
Obamacare (Individual)
Public SHOP (Employer)
Private
Obamacare (Individual)
Private GROUP (Employer)
Term Health
NON Obamacare
(Individual or Employer)
CHIP-Child Medicaid Medicaid & Medicare

The Affordable Care Act (ACA) a/k/a "Obamacare" - imposes the Individual Mandate, which requires you to be covered by Minimum Essential Coverage (MEC) or pay a tax penalty on your federal tax return.

Insurance polices that meet the MEC requirement must provide all Essential Health Benefits, follow established limits on cost-sharing (like deductibles, copayments, and out-of-pocket maximum amounts), and meet other requirements as required by ACA, including guaranteed coverage regardless of pre-existing conditions and Minimum Loss Ratio (MLR) refund rules.

Unless you're covered by an existing government, military or tribal plan, you must be covered by a MEC plan or pay a tax penalty on your federal tax return. For plan year 2016, the penalty is $695 for an individual, maximum $2,085 per family, or 2.5% of your income, whichever is greater. The penalty is capped at the national average cost of a Public Obamacare Bronze plan ($2,484 per year or $207 per month for an individual and $12,240 per year or $1,020 per month for a family with five or more members)

2016 Health Plan Matrix

ACA Provisions Public
Obamacare
Public
SHOP
Private
Obamacare
Private
Group
Private
NON Obamacare
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Eligible for Government Tax Subsidies Family Health Insurance Plans
Minimum Essential Coverage (MEC) minimum essential coverage minimum essential coverage plans minimum essential coverage benefits minimum essential coverage calculator qualified health plan group health insurance
Guaranteed issue coverage regardless of health cheapest health insurance plans online small business health insurance small business health plan online health insurance Varies health insurance USA health insurance quotes
Pre-existing conditions covered cheap health insurance illinois best health insurance exchange best health insurance illinois health insurance for self employed family health insurance group health insurance
ACA Compliant policy limits and cost sharing health insurance coverage temporary health insurance short term health insurance aca qualified life event N/A N/A
Minimum Loss Ratio (MLR) refund rules qualified life event aca open enrollment open enrollment aca aca special enrollment N/A N/A
Essential Health Benefits Public
Obamacare
Public
SHOP
Private
Obamacare
Private
Group
Private
NON Obamacare
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Ambulatory illinois state health insurance health insurance subsidy employer mandate employer health insurance employee health insurance health insurance exchange health insurance quotes
Emergency aca qualified life event qualified life event aca open enrollment open enrollment aca aca special enrollment health insurance plan health insurance plans
Hospitalization small business health insurance small business health plan web broker entity temporary health insurance short term health insurance health savings account qualified health plan
Lab & X-Ray minimum essential coverage buy health insurance health insurance plans best health insurance plans cheapest health insurance plans online individual mandate employer mandate
Maternity family health insurance family health insurance plan maternity insurance maternity insurance plans Maternity insurance health insurance with maternity coverage
Mental/Nervous Mental health insurance Mental insurance online Individual mental health insurance Mental health insurance coverage mental health insurance quotes mental health insurance Illinois
Pediatric Oral Vision health insurance plan online web broker entity defined contribution health plan minimum essential coverage
Prescription illinois health insurance health insurance for individuals personal health insurance qualified life event Varies open enrollment aca aca special enrollment
Preventive special enrollment aca health insurance exchange health insurance marketplace web broker entity defined contribution health plan group health insurance
Rehabilitation buy health care insurance in minutes buy health insurance at cheap price get covered compare health insurance plans free health insurance quotes health insurance plans for families health insurance plan for ndividuals
Substance Abuse substance abuse health insurance health insurance substance abuse substance abuse health insurance provider substance abuse health plan Varies substance abuse health plan online substance abuse health insurance Illinois
Enrollment Public
Obamacare
Public
SHOP
Private
Obamacare
Private
Group
Private
NON Obamacare
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Public Government Exchange public government health insurance exchange public government exchange N/A N/A
AHiX Marketplace Private Exchange private exchanges aca private exchanges health coverage state health insurance exchange private health exchanges in Illinois private health plans N/A N/A
Employer What is employer mandate Health insurance for self employeed N/A N/A
ACA Provisions Eligible for Government Tax Subsidies
Public
Obamacare
health insurance subsidy
Public
SHOP
Private
Obamacare
Private
Group
Private
NON Obamacare
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
ACA Provisions Minimum Essential Coverage (MEC)
Public
Obamacare
Minimum essential coverage plan online
Public
SHOP
shop health insurance at ahix.com
Private
Obamacare
buy health insurance at ahix.com
Private
Group
Group health insurance at ahix.com
Private
NON Obamacare
Medicaid
(Income
Qualification)
health plans at ahix.com
Medicare
(Age and Disability
Qualification)
check health insurance quotes
ACA Provisions Guaranteed issue coverage regardless of health
Public
Obamacare
guaranteed issue coverage
Public
SHOP
buy now
Private
Obamacare
online
Private
Group
Group health plans
Private
NON Obamacare
Medicaid
(Income
Qualification)
mediacaid health plans
Medicare
(Age and Disability
Qualification)
disability health insurance
ACA Provisions Pre-existing conditions covered
Public
Obamacare
pre existing conditions coverage
Public
SHOP
shop now
Private
Obamacare
ahix.com
Private
Group
group health insurance in Illinois
Private
NON Obamacare
Medicaid
(Income
Qualification)
qualified life event
Medicare
(Age and Disability
Qualification)
aca open enrollment
ACA Provisions ACA Compliant policy limits and cost sharing
Public
Obamacare
open enrollment aca Illinois
Public
SHOP
open enrollment aca USA
Private
Obamacare
aca special enrollment Illinois
Private
Group
aca special enrollment USA
Private
NON Obamacare
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
ACA Provisions Minimum Loss Ratio (MLR) refund rules
Public
Obamacare
special enrollment aca Illinois
Public
SHOP
web broker entity
Private
Obamacare
web broker entity USA
Private
Group
defined contribution health plan
Private
NON Obamacare
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Essential Health Benefits Ambulatory
Public
Obamacare
group health insurance
Public
SHOP
buy now
Private
Obamacare
group health insurance best quotes
Private
Group
group health insurance online
Private
NON Obamacare
buy group health insurance
Medicaid
(Income
Qualification)
group health insurance benefits
Medicare
(Age and Disability
Qualification)
group health insurance coverage
Essential Health Benefits Emergency
Public
Obamacare
essential coverage benefits
Public
SHOP
buy now
Private
Obamacare
health plan quotes
Private
Group
self funded health insurance
Private
NON Obamacare
self funded health insurance online
Medicaid
(Income
Qualification)
health savings account
Medicare
(Age and Disability
Qualification)
health savings account health insurance plans
Essential Health Benefits Hospitalization
Public
Obamacare
Essential Health Benefits defined
Public
SHOP
Essential Health Benefits under aca
Private
Obamacare
What are Essential Health Benefits
Private
Group
Essential Health Benefits by states
Private
NON Obamacare
Essential Health Benefits packages
Medicaid
(Income
Qualification)
Essential Health Benefits online
Medicare
(Age and Disability
Qualification)
health insurance companies
Essential Health Benefits Lab & X-Ray
Public
Obamacare
health plans in budget
Public
SHOP
shop now
Private
Obamacare
Essential Health Benefits metal plan
Private
Group
Essential Health Benefits on ahix.com
Private
NON Obamacare
learn more on Essential Health Benefits
Medicaid
(Income
Qualification)
bridge health plans
Medicare
(Age and Disability
Qualification)
bridge health insurance coverage
Essential Health Benefits Maternity
Public
Obamacare
individual mandate
Public
SHOP
individual mandate plans
Private
Obamacare
health insurance subsidy
Group defined contribution health plan
Private
NON Obamacare
Medicaid
(Income
Qualification)
health insurance illinois
Medicare
(Age and Disability
Qualification)
illinois state health insurance
Essential Health Benefits Mental/Nervous
Public
Obamacare
metal
Public
SHOP
shop
Private
Obamacare
employee health insurance
Private
Group
group health insurance
Private
NON Obamacare
Medicaid
(Income
Qualification)
temporary health insurance
Medicare
(Age and Disability
Qualification)
temporary health insurance online
Essential Health Benefits Pediatric Oral Vision
Public
Obamacare
get covered
Public
SHOP
get covered Illinois
Private
Obamacare
get covered USA
Private
Group
2016 health plan options
Private
NON Obamacare
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Essential Health Benefits Prescription
Public
Obamacare
health insurance calculator
Public
SHOP
health insurance calculator online
Private
Obamacare
affordable coverage
Private
Group
affordable coverage plan
Private
NON Obamacare
bridge plan
Medicaid
(Income
Qualification)
self funded health insurance exchange
Medicare
(Age and Disability
Qualification)
ahix.com
Essential Health Benefits Preventive
Public
Obamacare
ahix.com
Public
SHOP
online marketplace
Private
Obamacare
Plans
Private
Group
health savings account
Private
NON Obamacare
Medicaid
(Income
Qualification)
health savings account online
Medicare
(Age and Disability
Qualification)
#
Essential Health Benefits Rehabilitation
Public
Obamacare
qualified health plan online
Public
SHOP
small business health plan
Private
Obamacare
small business health plan online
Private
Group
small business health insurance
Private
NON Obamacare
shop now
Medicaid
(Income
Qualification)
bridge health plabns at ahix
Medicare
(Age and Disability
Qualification)
what is bridge health plans
Essential Health Benefits Substance Abuse
Public
Obamacare
health care
Public
SHOP
shop health care plan
Private
Obamacare
buy health care plan
Private
Group
group
Private
NON Obamacare
Medicaid
(Income
Qualification)
medicaid plan
Medicare
(Age and Disability
Qualification)
best health plan
Enrollment Public Government Exchange
Public
Obamacare
health insurance quotes
Public
SHOP
shop
Private
Obamacare
Private
Group
Private
NON Obamacare
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Enrollment AHiX Marketplace Private Exchange
Public
Obamacare
metal plan
Public
SHOP
shop
Private
Obamacare
metal
Private
Group
group
Private
NON Obamacare
stm
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Enrollment Employer
Public
Obamacare
Public
SHOP
shop
Private
Obamacare
Private
Group
group
Private
NON Obamacare
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A

Minimum Essential Coverage (MEC)

Public Obamacare (Individual & Families)

shop

Offered on the government run exchanges / marketplaces, and are eligible for government tax credit subsidy discounts.

Private Obamacare (Individual & Families)

shop

Not offered on the government run exchanges / marketplaces, and not eligible for government tax credit subsidy discounts.

Public SHOP (Small Business)

shop

Must be purchased through your employer. Offered on the government run exchanges / marketplaces, and not eligible for government tax credit subsidy discounts.

Private Group (Small & Large Business)

shop

Must be purchased through your employer. Not offered on the government run exchanges / marketplaces, and not eligible for government tax credit subsidy discounts.

Affordable Term Health Plans (NON Obamacare)

Term Health plans are meant to bridge the gap between now and January 1st. They're best used when you've missed Open Enrollment, don't qualify for Special Enrollment, or simply can't afford an Obamacare plan. Term Health plans can be half the cost an Obamacare plan. Term Health plans do not follow the same guidelines as Obamacare plans, and do not qualify as MEC, so you may have to pay a tax penalty if you don't have an exemption.

Term Health
(NON Obamacare)

bridge health plans

November
2016

Supplement Plans

supplemental accident health insurance

Supplemental plans can fill gaps that health insurance plans do not provide coverage for. By purchasing a high deductible MEC plan and then adding a supplemental plan you could save on monthly premiums while providing immediate coverage before you satisfy your MEC plan deductible.

supplemental accident coverage
Accident

(Private-Accident)

supplemental accident plan
Critical Illness

(Private-CI)

supplemental accident insurance coverage
Dental

(Private-DENTAL)

supplemental accident coverage benefit
Vision

(Private-Vision)

Government Programs

supplemental plan

Children's Health Insurance Program (CHIP)

CHIP-Child Medicaid The Children's Health Insurance Program (CHIP) provides health coverage to families with incomes too high to qualify for Medicaid, but can't afford private coverage. Signed into law in 1997, CHIP provides federal matching funds to states to provide this coverage. People covered by CHIP are exempt from the Individual Mandate.

supplemental accident coverage

Medicaid

Medicaid provides health coverage for people with income below 133% of the Federal Poverty Level, families and children, pregnant women, the elderly, and people with disabilities. Medicaid programs must follow federal guidelines, but they vary somewhat from state to state. People covered by Medicaid are exempt from the Individual Mandate.

MEC plan

Medicare

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). People covered by Medicare are exempt from the Individual Mandate.

Compare health plans

TriCare and Veterans Health

TriCare and Veterans Health is the federal health insurance program for military and veterans. People covered by TriCare or Veterans Health are exempt from the Individual Mandate.

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Step 1. Calculate Rates & Subsidy

AHiX Marketplace-Agent Health Insurance Exchange