Affordable healthcare for all
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Choosing a healthcare plan is essential for your well-being and can be a big financial decision. If you are uninsured or below the federal poverty level (FPL), you can still have access to healthcare options that provide the appropriate coverage for your needs and budget.
What is Obamacare?
Obamacare, also known as the Affordable Care Act (ACA), is a healthcare reform law that aims to achieve the following three things:
- Make health insurance affordable and available to more people.
- Expand the Medicaid program to cover all adults with income below 138% of the federal poverty level.
- Support innovative medical care delivery methods designed to lower the costs of healthcare overall.
Obamacare made insurance plans more robust by requiring employers to include and cover more services than they have before, including preventative care and lower prescription costs. However, these new required services also make health insurance coverage more expensive for some people.
Qualified vs Non-Qualified Healthcare Plans
A qualified health plan is a plan that is compliant with all the provisions of Obamacare (or ACA). Because of the elevated requirements, these plans can be a little more expensive. In contrast, a non-qualified health insurance plan chooses not to comply with all of the Obamacare requirements. Usually, these plans opt to exclude one (if not more) of the requirements of the ACA and, thus, can be significantly cheaper.
Is a qualified plan or a non-qualified plan right for you? How do you make the decision? Well, it depends on your health status, health needs, and, most importantly, your budget. There are subsidy programs that offer assistance to low-income families if they meet the criteria.
If you are not eligible for the subsidy programs, then a non-qualified plan may be your best option as they tend to be more affordable. However, before you select a non-qualified plan, here are a few things to consider:
- Non-qualified plans can deny coverage for pre-existing conditions. Simply put, a pre-existing condition is a health problem you had before the date that your new health coverage starts.
- Non-qualified plans do not cover substance abuse treatments, which can include any of the following: rehab facility inpatient stays, therapy, and methadone maintenance treatment.
- Non-qualified plans may not cover maternal care, which can include: doctor visits, scans and imaging, nursing consultations, birthing equipment, hospital bed space, and even medication.
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Overall, Obamacare was enacted to provide more affordable healthcare options so that more people could afford healthcare plans. Furthermore, Obamacare aimed to set a bar for healthcare services that should be accessible to everyone, such as preventative care. Depending on your health needs and budget, we are confident that we can help customize a plan that is right for you. If you are ready to explore your options, don’t hesitate to reach out to us today!
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Obamacare Solutions
Young Adult Coverage
If your parents are a part of an Obamacare plan that covers the medical costs of dependants, you get to receive ACA coverage until you’re 26 years old. Your income, employment, and marital status don’t affect your eligibility for young adult coverage under Obamacare.
Preventative Care
If you’re looking for health coverage for preventative care after a diagnosis, we can help you make learn how Obamacare can help. From routine vaccinations to blood tests and cancer screenings, you can have the costs of your preventative care covered under the ACA. Learn more here.
Lifetime and Annual Limits
With Obamacare, there’s no longer a dollar limit on the amount of money you spend on healthcare within a year. As a result, you’re not restricted by your health insurance company to spend according to your annual and lifetime limits.
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The goal of the ACA or Obamacare was to make healthcare affordable for all. This was a revolutionizing step towards improving Americans’ access to cost-effective and flexible health insurance plans. People who don’t receive health insurance from their employers are eligible for Obamacare plans that are sponsored by the government or government subsidiaries.
Anything that you’re required to pay for on Obamacare significantly depends on your healthcare plan. Whether you go for a bronze plan or a silver or gold plan, the costs will be determined by the kind of healthcare treatments you require and how consistently you use it every year.
Obamacare isn’t free. However, there is a wide range of options with affordable health insurance plans that you can apply for and qualify for. Furthermore, being eligible for an Obamacare subsidy can significantly help in covering your costs. Let us help you determine whether you’re a good candidate for an Obamacare subsidy.
Have Additional Questions?
Landel Insurance can provide you with additional insights regarding your insurance questions. Please don't hesitate to contact us!
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