Looking for Affordable
Health Insurance?
- Pre-Existing Conditions Covered
- Premium Tax Credits Available
(for Those who Qualify) - Find Health Insurance Plans That Include:
- Preventative Services
- Prescription Drug Coverage
- Mental Health and Counseling
- Coverage in your network
- And Other Essential Benefits
Affordable Care Act (ACA)
The comprehensive health reform law that is sometimes referred to as “Obamacare”. Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a “Qualified Health Plan” and provide “minimum essential coverage” to enrollees(“MEC”). Residents of certain states may not be able to enroll in ACA-compliant health insurance. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Marketplace.
Short Term Medical (STM)
STM Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act (also known as “Obamacare”). STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling.Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits.If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.
Fixed Indemnity/Limited Indemnity Plans
Indemnity Plans are a supplement to health insurance. They are not a replacement for health insurance or a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Plans generally do not cover preexisting conditions (health and other conditions that exist at the time of application), and generally pay you up to the fixed benefit amount for covered services. If you are on (or eligible for) Medicaid, payments from these plans may affect your coverage or eligibility. Check with your Medicaid agency for more information.
Advertised Premiums
Advertised quotes, prices and rates may vary based on many factors such as coverage choices, insurance company underwriting practices, and other relevant factors. Health plans/products advertised on this site are insurance policies or health benefits products (in the case of health maintenance organizations, prepaid health plans and other direct service organizations).