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Major Medical Insurance On Private Health Marketplaces
Private health insurance exchanges offer the same qualified health plans that you would find on Healthcare.gov. The key differences are private exchanges have a larger variety of plans and getting a hold of customer service is easy.
Self-employed individuals and independent contractors can get Affordable Care Act (also known as Obamacare) compliant health plans through government exchanges or brokers on private health marketplaces. These are major medical plans that cover:
- Surgeries
- Preventative Care
- Pre-Existing Conditions
- Many other benefits you would find with employer subsidized health insurance
Finding Traditional Major Medical Insurance On Private Health Insurance Exchanges
The advantage of using a private health marketplace, like Smart and Simple Insurance, are that licensed agents can walk you through your healthcare options. Many people find working with a licensed insurance agent or enrolling online off the federal marketplace is much quicker than the government healthcare exchanges. Additionally, private healthcare marketplaces will also have ACA-compliant plans that can’t be found on healthcare.gov.
Find Great Coverage With Licensed Insurance Agents
With Smart and Simple Insurance, you don’t pay more than you would on federal exchanges. You have licensed insurance agents ready to assist you in finding the right medical plan for you or your family.
- ACA Health Insurance - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Accident Only Coverage - As low as at $45/month
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Telehealth - Only $19.95/month, saving you hundreds in the long run
Short Term Health Insurance Is An Affordable Alternative For Those Without Pre-Existing Conditions
Many healthy people use Short Term plans as their primary health insurance to protect from the high medical costs of unexpected injuries or illnesses. The cost of this type of insurance is affordable and your out-of-pocket limit is predictable.
Affordable Care Act Compliant Plans
An insurance carrier may only make available health insurance plans on the federal marketplace if they meet the requirements of each of the four metal tiers. On both federal and private health marketplaces you’ll find a metal tiered system of Bronze, Silver, Gold and Platinum plans that offer both low and high deductible policies. These plans are required to cover essential benefits of the Affordable Care Act:
- Ambulatory or outpatient care
- Preventive care
- Coverage for pre-existing conditions
- Birth control medication
- Pediatric services, including dental and vision coverage for children
- Prescription drug coverage
- Laboratory services
- Emergency services
- Hospitalization for surgery and treatment of other critical illnesses
- Mental health coverage, including substance use disorder services
- Rehabilitative services
- Pregnancy, maternity, and newborn care
Private Exchanges Also Offer Other Types Of Health-Related Insurance
Your individual major medical insurance typically will not include coverage for dental and vision. On private health marketplace exchanges, you’ll find many different offerings including dental and vision coverage, as well as term life insurance policies.
Frequently Asked Questions
When am I eligible to change Major Medical Insurance Plans?
Each year (typically in November), the federal government has an open enrollment period when anyone, regardless of reason may choose to drop their current flan and find new major medical insurance coverage. During this time you may select new plans from either the federal or private marketplace.
How can I get individual health insurance outside of open enrollment?
You may be eligible for new insurance when a qualifying event happens where you would lose your health insurance, such as quitting a job or with employer-sponsored insurance or being laid-off. These events allow you to obtain new health insurance through either exchanges. Most major medical insurance starts one the 1st of a month. You may need to utilize short-term medical or COBRA until you can start a new plan.
How Can I Get COBRA Medical Insurance?
COBRA is a federal law that allows employed worker to keep their health insurance after quitting their job, being laid off or having their hours reduced where they are no longer eligible.
If you have left your job to create your own greener pastures, you may be able to get COBRA medical insurance that would allow you to continue on the former workplace insurance you had.
Get A Quote on Major Medical Health Insurance
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