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Why enroll in the ACA Marketplace?

You get the most options when deciding on how you want to be covered with a full-coverage health insurance ACA plan (also called the Health Exchange.) You can sort through your different plan options, enter your doctor or hospital and get full details on specific medicine and procedures. Private plans are year round.

SEE YOUR OPTIONS

QUALIFYING FOR SPECIAL ENROLLMENT

What, exactly, is a qualifying life event?

Some people aren't aware that they can enroll outside of the November 1st through December 15th open enrollment period. Some states extend past that but if you miss the deadline, the only way you be able to enroll is if you have a qualifying life event. A qualifying life event is a big life-changing situation — sometimes it's planned, sometimes unexpected — that can impact you and your health insurance. When you experience a significant life change it may allow you to change your medical insurance outside of the annual enrollment period (also called ObamaCare open enrollment}

Qualifying life events

✓ Having or adopting a baby

✓ Getting married

✓ Moving to a new area (switching zip codes)

✓ Experiencing a shift in employment status

✓ Turning 26 and losing coverage from parents

✓ Getting divorced

✓ Death of someone who shares your health insurance

✓ Earning U.S. citizenship

These are some of the reasons you may qualify for special enrollment via Obamacare for medical insurance

If you experience a qualifying life event, sign up right away

In most situations, you’ll need to make changes to your medical insurance within a specific time frame of the qualifying life event. Most of the time it's 60 days. Missing this deadline could mean having to wait until the next open enrollment, which could be as long as a year.

If you’re between the Obamacare enrollment periods and haven’t experienced a qualifying life event, short term health insurance is an option to bridge the gap including dental and vision plans. That way, you can help assure that you’re not without insurance at any point.

Frequently Asked Questions

What does ACA cost?

The medical insurance rates will vary based on your family size, income and where you live. You can run ACA quotes on our Health Sherpa platform by clicking here or contact us and we will do it with you over the phone and answer any questions you may have about health insurance.

Those who do not get a “subsidy” may find these ObamaCare plans very expensive and may benefit from reviewing our other health coverage options like “Short term medical” and “Gap bridge” plans.

Find out if you qualify for a subsidy in 60 seconds or less by click here.

WHAT IS A SUBSIDY?

It's very surprising how many people are oblivious they qualify for a subsidy. Because they don’t take advantage of this option they end up paying higher premiums for other medical insurance.

To qualify it depends on your income and family size, you may qualify for a subsidy (also known as a "Premium Tax Credit") that will help reduce the cost of the monthly health insurance premiums. In some cases in the ObamaCare plans, this subsidy may allow you to get coverage for even $0 per month.

To see if you qualify for a subsidy, and click here for your ACA quotes

WHEN CAN I SIGN UP FOR INSURANCE UNDER THE ACA?

There are 2 different enrollment periods during the year, the "OEP" or Open Enrollment Period, and the "SEP" or Special Enrollment Period.The ObamaCare Open Enrollment Period occurs each year from November 1 - December 15, but if you have had a change in your situation — like getting married, having a baby, or losing health insurance — you may be eligible for a Special Enrollment Period, allowing you to enroll in medical insurance outside the yearly Open Enrollment Period.To see if you qualify for a subsidy, and get ACA quotes in 60 seconds or less

Understanding Maternity Benefits: A Guide for Expectant Parents

Maternity Coverage

November 02, 1708•3 min read

"Life is a flame that is always burning itself out, but it catches fire again every time a child is born." - George Bernard Shaw

Introduction:

Hey there! If you're reading this, chances are you're navigating the maze of maternity benefits within your health insurance plan. Congratulations on the journey ahead! Maternity benefits can seem like a daunting topic, but fear not, we're here to guide you through it.

Maternity benefits are crucial for expecting parents as they ensure access to essential healthcare services during pregnancy, childbirth, and postpartum. In this blog post, we'll unravel the mysteries of maternity coverage under Obamacare Health Plans, helping you make informed decisions about your healthcare needs.

What Are Maternity Benefits?

Maternity benefits encompass a range of healthcare services designed to support expectant mothers before, during, and after childbirth. These services often include prenatal visits, maternity screenings, labor and delivery expenses, postpartum care, and coverage for newborns.

Navigating Maternity Coverage Under Obamacare

Under the Affordable Care Act (ACA), also known as Obamacare, maternity coverage is considered an essential health benefit. This means that all Marketplace plans, as well as many other individual and employer-sponsored plans, are required to include maternity benefits.

Key Components of Maternity Coverage

Prenatal Care: Maternity benefits typically cover prenatal visits, which are essential for monitoring the health of both the mother and the baby throughout the pregnancy.
Labor and Delivery: From hospital stays to delivery room expenses, maternity coverage helps offset the costs associated with labor and delivery, ensuring that you receive quality care without breaking the bank.
Postpartum Care: The journey doesn't end when the baby arrives! Maternity benefits often extend to postpartum care, including follow-up visits, breastfeeding support, and screenings to monitor maternal health.
Newborn Coverage: Many maternity plans also include coverage for newborns, ensuring that your little one receives the necessary medical attention from day one.

Special Enrollment Periods and Maternity Coverage

Now, here's the kicker: While maternity coverage is a standard feature of Obamacare Health Plans, enrolling in a plan outside of the annual Open Enrollment period may require a Special Enrollment Period (SEP). Qualifying life events such as marriage, childbirth, or adoption typically trigger an SEP, allowing you to enroll in or make changes to your healthcare coverage outside of the regular enrollment window.

Making Informed Choices

As you explore your options for maternity coverage, it's essential to consider factors such as premiums, deductibles, copayments, and network providers. Compare different plans carefully, paying close attention to the scope of coverage and out-of-pocket expenses.

Final Thoughts

Understanding maternity benefits is a crucial step towards ensuring a healthy and happy pregnancy journey. By familiarizing yourself with the nuances of maternity coverage under Obamacare Health Plans, you can make informed decisions that prioritize the well-being of both you and your growing family.

Remember, just like crafting a compelling blog post requires attention to detail and a dash of creativity, navigating maternity benefits demands diligence and proactive planning. With the right knowledge and resources at your disposal, you can embark on this extraordinary adventure with confidence and peace of mind.

Here's to a journey filled with joy, anticipation, and the boundless wonders of parenthood! 🌟

Stay tuned for more insights and tips on navigating the world of healthcare and wellness. Until next time, take care and happy parenting!