Public and Private Insurance Info
Public Health Insurance
Public marketplace insurance is health coverage available through government-run exchanges like Healthcare.gov. These ACA-compliant plans offer standardized benefits and may include subsidies based on income, making them a good option for individuals and families who qualify for financial assistance.
Private ACA
Private ACA insurance offers ACA compliant coverage purchased outside the public marketplace. These plans include essential health benefits and with broader provider networks than Public but, are not eligible for government subsidies, making them a good fit for those who don’t qualify for financial assistance.
Private Medically Underwritten
Private medically underwritten insurance offers a more affordable alternative to traditional ACA plans for healthy individuals. By evaluating your medical history during enrollment, insurers can offer lower monthly premiums and customized coverage that fits your needs. These plans often include broad PPO networks, quick approval, and access to high-quality care—making them a smart choice for those who rarely visit the doctor and want to save on health insurance outside the public marketplace.
What is ACA Compliance?
ACA-compliant insurance includes all essential health benefits required by law, such as mental health care, maternity services, and drug and alcohol rehab. These plans offer full legal protections, cannot deny coverage for preexisting conditions, and ensure comprehensive, standardized coverage whether purchased on or off the public marketplace.
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