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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.

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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

Title: 8 Compelling Reasons to Choose Obamacare Maternity Coverage

Maternity Coverage

October 18, 1708•4 min read

"Making the decision to have a child is momentous. It is to decide forever to have your heart go walking around outside your body." - Elizabeth Stone

Introduction:

Hey there, mama-to-be or future parent! If you're navigating the maze of healthcare options for maternity coverage, you're in the right place. Let's talk about why choosing Obamacare maternity coverage might just be the best decision you make for you and your little one. As Seth Godin once said, "Not only are bloggers suckers for the remarkable, so are the people who read blogs." So, let's dive into 8 reasons why Obamacare maternity coverage is remarkable!

With that said, here are 8 reasons why you should start blogging on your website today! 👊

1. Comprehensive Coverage:

When it comes to welcoming a new life into the world, you want peace of mind. Obamacare maternity coverage offers comprehensive benefits, from prenatal care to childbirth and postnatal services. With this coverage, you can focus on the joy of growing your family without worrying about hefty medical bills.

2. Access to Quality Care:

Choosing Obamacare maternity coverage means gaining access to a network of healthcare providers committed to maternal and infant health. From obstetricians to pediatricians, you can rest assured knowing that you and your baby will receive top-notch care every step of the way.

3. Affordability:

Let's face it, raising a child can be expensive. Fortunately, Obamacare maternity coverage is designed to be affordable. With subsidies and cost-sharing reductions available based on your income, you can find a plan that fits your budget without compromising on quality care for you and your baby.

4. Preventive Services:

Obamacare maternity coverage emphasizes preventive care, ensuring that you receive essential screenings, vaccinations, and counseling during pregnancy and beyond. By staying proactive about your health, you can reduce the risk of complications and promote a healthy start for your little one.

5. Coverage for Pre-existing Conditions:

Pregnancy is a journey filled with twists and turns, and sometimes, pre-existing health conditions can add complexity. With Obamacare maternity coverage, you're covered, even if you have pre-existing conditions such as diabetes or hypertension. Your focus remains on nurturing your pregnancy while your coverage takes care of the rest.

6. Support for High-Risk Pregnancies:

Every pregnancy is unique, and some may require specialized care due to high-risk factors. Obamacare maternity coverage provides support for high-risk pregnancies, ensuring that you have access to the medical expertise and resources needed to navigate any challenges that may arise.

7. Postpartum Care:

The journey doesn't end once your baby arrives. Obamacare maternity coverage extends to postpartum care, including follow-up visits, lactation support, and mental health services. By prioritizing postpartum wellness, you can ease the transition into parenthood and focus on bonding with your newborn.

8. Coverage During Special Enrollment:

Life doesn't always follow a predictable timeline, especially when it comes to expanding your family. With Obamacare maternity coverage, you have the flexibility to enroll during special enrollment periods, ensuring that you're covered when you need it most, regardless of the time of year.

Your Maternity Coverage Checklist

10 Must-Haves for Expecting Women"

Understand Your Policy: Familiarize yourself with the details of your maternity coverage, including benefits, co-pays, deductibles, and limitations.
Check Network Providers: Ensure that your preferred healthcare providers, including obstetricians, hospitals, and pediatricians, are in-network to maximize coverage and minimize out-of-pocket costs.
Review Coverage for Prenatal Care: Confirm coverage for essential prenatal services, including doctor visits, screenings, ultrasounds, and prenatal vitamins.
Assess Coverage for Labor and Delivery: Clarify coverage for labor and delivery expenses, such as hospital stays, anesthesia, and childbirth procedures.
Explore Postpartum Care Benefits: Investigate coverage for postpartum services, including post-delivery hospital stays, lactation support, and mental health counseling.
Understand Pre-existing Conditions Coverage: Determine how pre-existing health conditions, such as gestational diabetes or hypertension, are covered during pregnancy.
Evaluate High-Risk Pregnancy Support: If you have a high-risk pregnancy, ensure that your policy provides adequate coverage for specialized care, monitoring, and interventions.
Investigate Newborn Coverage: Confirm coverage for newborn care, including pediatrician visits, vaccinations, and screenings, immediately after birth.
Consider Additional Benefits: Explore additional benefits, such as maternity wellness programs, childbirth education classes, and breastfeeding support services.
Review Enrollment Periods: Be aware of open enrollment periods and special enrollment options to ensure timely enrollment in maternity coverage that meets your needs.

By following this checklist, you can make informed decisions and ensure that your maternity coverage aligns with your healthcare needs and preferences throughout your pregnancy journey.

Maternity