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A One-Size-Fits-All Approach to Health Insurance Isn't an Approach at All-It's a Mistake
Health Insurance for Individuals and Families
Looking for a health care plan through the Affordable Care Act Marketplace? Simplified Benefits is here to help. We assist individuals and families in finding affordable and dependable coverage tailored to their needs. Thanks to the Inflation Reduction Act of 2022, many families can now access plans with even lower monthly premiums.
What Are ACA Plans?
The Patient Protection and Affordable Care Act, commonly known as the ACA or "Obamacare," was enacted in 2010 during President Obama's administration. Its primary aim was to enhance the accessibility, affordability, and quality of health insurance nationwide.
Before the ACA, many Americans faced challenges in obtaining or affording health insurance due to pre-existing conditions. The ACA significantly decreased the number of uninsured individuals in the U.S.
ACA plans are available through the Marketplace or Exchange, allowing individuals and families to choose these plans instead of employer-sponsored or private insurance. Pre-existing conditions do not disqualify you from enrolling, and many people benefit from tax credits and subsidies to lower their premiums.
Every ACA plan must include the ten Essential Health Benefits (EHBs). These ten benefits include:
Hospitalization
Emergency services
Ambulatory services
Prescription drugs
Maternity and newborn care
Mental health and substance abuse services
Lab tests
Chronic disease management, preventive, and “well” services
Pediatric dental and vision care
Rehabilitative services
How Much Do ACA Plans Cost?
The Affordable Care Act (ACA) did more than introduce new health insurance options; it also included key provisions that expanded Medicaid eligibility, banned discrimination based on pre-existing conditions, and provided premium subsidies for individuals and families with limited incomes.
Premium tax credits can lower the cost of insurance plans purchased through the ACA. Eligibility for these credits depends on your household income, which you'll report during the application process. This will determine whether you qualify for subsidies.
In addition to premiums, you'll have deductibles, coinsurance, and copayments based on your chosen plan. Plans are divided into metal tiers—Platinum offers the most coverage, followed by Gold, Silver, and Bronze.
When Can I Enroll?
The Affordable Care Act has an annual open enrollment period that begins November 1 and ends January 15 in most states. Some states enjoy longer enrollment periods. If you enroll in Obamacare by December 15, your coverage will begin on January 1. If you enroll after December 15, coverage begins on February 1.
However, many people qualify for a Special Enrollment Period. If you’ve had a sudden life change, you can enroll in an ACA plan at any time of the year. Some qualifying life events include a change in employment, marriage, divorce, moving to a new city, and having a child.
Get Help Choosing Health Insurance
Health insurance can be complicated, but you don’t have to navigate it on your own! The independent insurance agents at Simplified Benefits are here to assist you, taking the time to understand your health needs and budget.
Even outside of Open Enrollment, we can explore ACA health insurance options for you. You might qualify for a Special Enrollment Period, allowing you to secure coverage sooner than expected. Contact us today to get started!
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Need Help Finding the Right Health Insurance Option?
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Explore your Options
Enroll In Coverage
Start your journey to comprehensive insurance coverage by scheduling a consultation with one of our experienced licensed agents. Use the link below to arrange a time that suits you. During this initial meeting, we’ll discuss your specific needs, preferences, and any questions you may have about your insurance options.
With insights from our visit, our team will compile a selection of insurance plans tailored to your needs and preferences. We’ll provide detailed comparisons of each option, including benefits, coverage limits, premiums, and other relevant information to help you make an informed decision.
After choosing the best insurance plan for you, we’ll help you navigate the enrollment process to secure your coverage quickly and efficiently. Our team will assist with the paperwork, address any remaining questions, and ensure you fully understand how to maximize the benefits of your new insurance policy.
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Medicare Required Disclaimer:
Currently we represent 8 organizations which offer 46 products in Cache County Utah. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.
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