Health Plans

Know your health insurance options in 2015

2015 Health Plan Options

Public
On-Exchange Metal
Public
On-Exchange SHOP
Private
Off-Exchange Metal
Private
Off-Exchange Group
Short Term Medical (STM)
CHIP-Child Medicaid Medicaid & Medicare

The Affordable Care Act (ACA) 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 2015, the penalty is $325 for an individual, maximum $975 per family, or 2% of your income, whichever is greater.

2015 Health Plan Matrix

ACA Provisions On-X
Metal
On-X
SHOP
Off-X
Metal
Off-X
Group
Off-X
STM
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 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 On-X
Metal
On-X
SHOP
Off-X
Metal
Off-X
Group
Off-X
STM
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 aca qualified life event 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 substance abuse health plan online substance abuse health insurance Illinois
Enrollment On-X
Metal
On-X
SHOP
Off-X
Metal
Off-X
Group
Off-X
STM
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Public Government Exchange public government health insurance exchange public government exchange N/A N/A
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
On-X
Metal
health insurance subsidy
On-X
SHOP
Off-X
Metal
Off-X
Group
Off-X
STM
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
ACA Provisions Minimum Essential Coverage (MEC)
On-X
Metal
Minimum essential coverage plan online
On-X
SHOP
shop health insurance at ahix.com
Off-X
Metal
buy health insurance at ahix.com
Off-X
Group
Group health insurance at ahix.com
Off-X
STM
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
On-X
Metal
guaranteed issue coverage
On-X
SHOP
buy now
Off-X
Metal
online
Off-X
Group
Group health plans
Off-X
STM
Medicaid
(Income
Qualification)
mediacaid health plans
Medicare
(Age and Disability
Qualification)
disability health insurance
ACA Provisions Pre-existing conditions covered
On-X
Metal
pre existing conditions coverage
On-X
SHOP
shop now
Off-X
Metal
ahix.com
Off-X
Group
group health insurance in Illinois
Off-X
STM
Medicaid
(Income
Qualification)
qualified life event
Medicare
(Age and Disability
Qualification)
aca open enrollment
ACA Provisions ACA Compliant policy limits and cost sharing
On-X
Metal
open enrollment aca Illinois
On-X
SHOP
open enrollment aca USA
Off-X
Metal
aca special enrollment Illinois
Off-X
Group
aca special enrollment USA
Off-X
STM
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
ACA Provisions Minimum Loss Ratio (MLR) refund rules
On-X
Metal
special enrollment aca Illinois
On-X
SHOP
web broker entity
Off-X
Metal
web broker entity USA
Off-X
Group
defined contribution health plan
Off-X
STM
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Essential Health Benefits Ambulatory
On-X
Metal
group health insurance
On-X
SHOP
buy now
Off-X
Metal
group health insurance best quotes
Off-X
Group
group health insurance online
Off-X
STM
buy group health insurance
Off-X
FIP
what is group health insurance
Medicaid
(Income
Qualification)
group health insurance benefits
Medicare
(Age and Disability
Qualification)
group health insurance coverage
Essential Health Benefits Emergency
On-X
Metal
essential coverage benefits
On-X
SHOP
buy now
Off-X
Metal
health plan quotes
Off-X
Group
self funded health insurance
Off-X
STM
self funded health insurance online
Off-X
FIP
self funded health insurance exchange
Medicaid
(Income
Qualification)
health savings account
Medicare
(Age and Disability
Qualification)
health savings account health insurance plans
Essential Health Benefits Hospitalization
On-X
Metal
Essential Health Benefits defined
On-X
SHOP
Essential Health Benefits under aca
Off-X
Metal
What are Essential Health Benefits
Off-X
Group
Essential Health Benefits by states
Off-X
STM
Essential Health Benefits packages
Off-X
FIP
Essential Health Benefits plans
Medicaid
(Income
Qualification)
Essential Health Benefits online
Medicare
(Age and Disability
Qualification)
health insurance companies
Essential Health Benefits Lab & X-Ray
On-X
Metal
health plans in budget
On-X
SHOP
shop now
Off-X
Metal
Essential Health Benefits metal plan
Off-X
Group
Essential Health Benefits on ahix.com
Off-X
STM
learn more on Essential Health Benefits
Off-X
FIP
bridge health insurance
Medicaid
(Income
Qualification)
bridge health plans
Medicare
(Age and Disability
Qualification)
bridge health insurance coverage
Essential Health Benefits Maternity
On-X
Metal
individual mandate
On-X
SHOP
individual mandate plans
Off-X
Metal
health insurance subsidy
Off-X
Group
defined contribution health plan
Off-X
STM
Medicaid
(Income
Qualification)
health insurance illinois
Medicare
(Age and Disability
Qualification)
illinois state health insurance
Essential Health Benefits Mental/Nervous
On-X
Metal
metal
On-X
SHOP
shop
Off-X
Metal
employee health insurance
Off-X
Group
group health insurance
Off-X
STM
Medicaid
(Income
Qualification)
temporary health insurance
Medicare
(Age and Disability
Qualification)
temporary health insurance online
Essential Health Benefits Pediatric Oral Vision
On-X
Metal
get covered
On-X
SHOP
get covered Illinois
Off-X
Metal
get covered USA
Off-X
Group
2015 health plan options
Off-X
STM
Medicaid
(Income
Qualification)
Medicare
(Age and Disability
Qualification)
Essential Health Benefits Prescription
On-X
Metal
health insurance calculator
On-X
SHOP
health insurance calculator online
Off-X
Metal
affordable coverage
Off-X
Group
affordable coverage plan
Off-X
STM
bridge plan
Off-X
FIP
self funded health insurance
Medicaid
(Income
Qualification)
self funded health insurance exchange
Medicare
(Age and Disability
Qualification)
ahix.com
Essential Health Benefits Preventive
On-X
Metal
ahix.com
On-X
SHOP
online marketplace
Off-X
Metal
Plans
Off-X
Group
health savings account
Off-X
STM
Medicaid
(Income
Qualification)
health savings account online
Medicare
(Age and Disability
Qualification)
#
Essential Health Benefits Rehabilitation
On-X
Metal
qualified health plan online
On-X
SHOP
small business health plan
Off-X
Metal
small business health plan online
Off-X
Group
small business health insurance
Off-X
STM
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
On-X
Metal
health care
On-X
SHOP
shop health care plan
Off-X
Metal
buy health care plan
Off-X
Group
group
Off-X
STM
Medicaid
(Income
Qualification)
medicaid plan
Medicare
(Age and Disability
Qualification)
best health plan
Enrollment Public Government Exchange
On-X
Metal
health insurance quotes
On-X
SHOP
shop
Off-X
Metal
Off-X
Group
Off-X
STM
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Enrollment Private Exchange
On-X
Metal
metal plan
On-X
SHOP
shop
Off-X
Metal
metal
Off-X
Group
group
Off-X
STM
stm
Off-X
FIP
FIP
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A
Enrollment Employer
On-X
Metal
On-X
SHOP
shop
Off-X
Metal
Off-X
Group
group
Off-X
STM
Medicaid
(Income
Qualification)
N/A
Medicare
(Age and Disability
Qualification)
N/A

Minimum Essential Coverage (MEC)

Public Exchange Individual Metal (On-X-Metal)

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Subsidy discounts available. - only available on the Federal and State based 'marketplaces'

Public Exchange Group Metal (On-X-SHOP)

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Employer provided but no subsidies available. - only available on the Federal and State based 'marketplaces'

Private Exchange Individual Metal (Off-X-Metal)

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No subsidy discounts available - same minimum essential coverage and essential health benefits as public metal although may provide access to greater choices of doctors and be a better choice in rural areas

Private Exchange Group Metal (Off-X-Group Metal)

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No subsidy discounts available - same Minimum Essential Coverage and Essential Health Benefits as Public, SHOP and Private Metal plans

Affordable Bridge Health Plans

Bridge plans are affordable alternatives to Metal plans that fill either a temporary or permanent need. Although you must qualify based on good health. These can serve as a great 'bridge' to provide affordable coverage when a person is healthy, and allows them to get coverage until they can later enroll in a more comprehensive metal plan if their health requires it.

Short Term Medical (STM)

bridge health plans

November
2015

Supplement Plans

supplemental accident health insurance

Supplemental plans can fill gaps that MEC Metal 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

(Off-X-Accident)

supplemental accident plan
Critical Illness

(Off-X-CI)

supplemental accident insurance coverage
Dental

(Off-X-DENTAL)

supplemental accident coverage benefit
Vision

(Off-X-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.

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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.

Let's start right now in 3 easy steps

Step 1. Calculate Rates & Subsidy

AHiX MArketplace-American Health Insurance Exchange