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Affordable Care Act -Obama Care -Insurance Choices

Affordable Care Act-Obama Care-ACA

Affordable Health Care Insurance Florida

Florida Residents Total :18,444,000

Uninsured Residents in Florida  is 20% or 3,8 million

This is the fourth highest rate of uninsured rate of any State,Affordable Care Act is designed to reduce the number of uninsured in the State of Florida

Health Insurance Information from Kaiser Foundation

Health Insurance, affordable coverage for you and your family

Health insurance reform resources for individuals and Families

Personal Health Insurance Plans -With out Tax credit Get a Quote

The Affordable Care Act,Obama Care  ACA is one in the same. The correct Name for the new Law is The Affordable Care  Act or ACA . Can you work with Insurance Agents and brokers ? Yes, and it won’t cost you extra to do so. Licensed insurance agents and brokers are the only ones who can advise you which plan to choose Affordable Care Act or Private health insurance and buy according to the heath care law.Access to Low Cost Health Insurance Plans in West Palm Beach Florida.

Video Making Health Insurance Affordable for Individuals and Families

Navigating the Health Insurance Market place can be complicated,Affordable Care Act we are here to help you work through the changes in Health Care and Health insurance, assisting you to understand and choose the best health plan for you or your family. The Affordable Health Care Act and the Individual Mandate.We can help you buy coverage off the health care market place or buy personal health insurance plans from any health insurance provider in florida.

affordable care act - resource- obamacare-Health insurance

Affordable Individual and Family  health Plans

Obama Care Insurance -buy Obama health insurance for you and your family  and get the health care coverage you need.

Health Care Exchange opens /open enrollment October I St, 2013-March 31st, 2014 Medical Plans that will be offered on the Health Care Exchange will be required to have Avs Metallic designation.

This means health plans sold to individuals and small business  must meet one of the standards listed below along with unlimited health care benefits.

A Bronze Plan is 60% of medical cost A Silver Plan is 70 % of health care cost

A Gold Plan is 80% of health care costA Platinum Plan covers 90% health care cost

Health Insurance companies can modify or improve benefits but must meet minimum requirements base on the Federal Government guideline.  Out of pocket maximum must be be included on all health insurance policy

These are the Percentage of benefits a new plan covers. The Obama Care Health Insurance Plans are sold on the Health Care Market Place  Website  through private health insurance companies. Deductible for Individual and Family Plans Cannot exceed the limit set by the health care law.

Catastrophic Health insurance

Companies can also offer catastrophic health insurance coverage to qualified individuals 30 years and younger,older people may qualify by requesting a hardship waver. Catastrophic health insurance plans would have higher cost sharing than standard metallic plans. Metallic levels are designed to allow consumers to compare plans with similar levels of coverage base on monthly premiums, networks and other factors with the objective of consumers making more informed decisions with the affordable care law as a guide.

Plan coverage under The Affordable Care Act Pre-existing condition coverage: Guaranteed Issue coverage for individuals regardless of medical history. The Law required that insurance companies must extend coverage to individuals regardless of their current or previous medical history or preexisting conditions.

Outside of open enrollment: you must have a qualifying life event to enroll on the health care exchange.

Here are examples of qualifying life events moving to a new state, changes in your income, and changes in your family size (for example, if you marry, divorce, have a baby, or become pregnant).

What is a Life Change?

You can still get coverage if you have a life change. Outside of Open Enrollment

A change in your life that might make you eligible for a Special Enrollment Period to enroll in health coverage on the health care exchange.

Qualifying Life Events: Here are some examples of qualifying life events:

You can apply for new coverage 30 days prior expiration of existing coverage or 60 days after event

Marriage, having a baby, adopting a child or placing a child for adoption or foster care, moving your residence to another State City or Zip code , gaining citizenship, leaving incarceration.

Losing other health coverage-due to loss of job-based coverage, divorce, the end of an individual policy plan year in 2014, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances.

Important: Voluntarily ending coverage doesn’t qualify you for a special enrollment period. Losing coverage that does not qualify as minimum essential coverage.

For people already enrolled in Marketplace health coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions.

These essential health benefits- must include at least the following items and services in current health insurance plans:The Affordable Care Act and the individual mandate

  • Preventive care covered with no co-pays or deductible
  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency health care services
  • Hospitalization
  • Maternity and newborn care (care before and after your baby is born)
  • Mental health and substance abuse disorder services
  • Prescription drugs
  • Rehabilitative and rehabilitative services
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services
  • Affordable Care Act Requires that Individual Health Insurance Plans must cover mental health benefits and it should be treated as any other illness  include Therapy.

All  Obama Care Health Insurance Plans offered by florida-health-insurance-providers/”>#florida health insuranc providers: Cigna Individual and Family Plans, Humana Health Plans,Coventry Health Care of Florida, Aetna Health Insurance of Florida.

Individual and Family health Insurance Coverage

Have Questions call 561-688-7300, Ask an Agent Insurance Questions, Get a Quote

Find affordable health insurance plans in florida and and get health insurance coverage for you or your family

Additional Life change -humana -university-affordable health insurance plans in florida, events that will allow you to change medical plans out side of open enrollment.

Florida Health News-The Affordable Care Act and For Individuals Affordable Health Care Act

 Federal Poverty income limits -affordable health plans for individuals in florida see if your income allow you to qualify for a tax credit under The Affordable Care Act and Obama Care