Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Consult with an independent insurance agent/broker. There are tools on the healthcare.gov website you can use, but trying to figure out which health plan is right for you can be difficult and time consuming.
Under the new Afforable Care Act, you cannot be declined for an individual health plan for any pre-existing condition or other health-related reason. However, there are many different plans in the marketplace and an insurance agent/broker will have the knowledge to help you find a health insurance plan that is suitable for your needs and your budget.
The four main levels are bronze, silver, gold, and platinum (catastrophic plans are only available to individuals under age 30) and not all carriers offer a plan for every level. Bronze plans will generally feature the lowest premiums, but also the least comprehensive coverage. Platinum plans will generally feature the highest premiums, but also the most comprehensive coverage.
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Under the new Afforable Care Act, you cannot be declined for an individual health plan for any pre-existing condition or other health-related reason. However, there are many different plans in the marketplace and an insurance agent/broker will have the knowledge to help you find a health insurance plan that is suitable for your needs and your budget.
The four main levels are bronze, silver, gold, and platinum (catastrophic plans are only available to individuals under age 30) and not all carriers offer a plan for every level. Bronze plans will generally feature the lowest premiums, but also the least comprehensive coverage. Platinum plans will generally feature the highest premiums, but also the most comprehensive coverage.