SEO report of affordablehealthpro.com

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• <H1> 1-888-324-8390
• <H1> 2017 Healthcare Open Enrollment Ended. We can still help, we offerACA Compliant Plans and more starting at $30/month
• <H3>              OR CALL NOW
• <H1>   1-888-324-8390
• <H1> Why choose Affordable Health Pro? One of our agents will personally help you determine your subsidy eligibility and provide you with quotes for private or state and federal exchange health insurance plans. All of these plans meet federal standards under the Affordable Care Act (ACA). Not everyone will qualify for a federal or state subsidy, or an Obamacare plan. Our agents will provide you all the information and help you find the best plan for you. Does the Affordable Care Act (Obamacare) Require Me to Purchase Health Insurance? You must obtain and maintain minimum essential coverage throughout the year, get an exemption, or face a tax penalty for each month you go without coverage. In the individual and family market, major medical coverage that counts as minimum essential coverage can only be purchased during open enrollment. Open enrollment for 2017 is November 1, 2016, to January 31, 2017. Contact An Affordable Health Pro government certified agent, we offer a no obligation free consultation. Fill out our contact form and one of our agents will call you back or speak to a licensed agent now - call toll-free 1-888-324-8390
• <H3> One of our agents will personally help you determine your subsidy eligibility and provide you with quotes for private or state and federal exchange health insurance plans. All of these plans meet federal standards under the Affordable Care Act (ACA).
• <H3> Not everyone will qualify for a federal or state subsidy, or an Obamacare plan. Our agents will provide you all the information and help you find the best plan for you.
• <H3> Does the Affordable Care Act (Obamacare) Require Me to Purchase Health Insurance?
• <H3> You must obtain and maintain minimum essential coverage throughout the year, get an exemption, or face a tax penalty for each month you go without coverage. In the individual and family market, major medical coverage that counts as minimum essential coverage can only be purchased during open enrollment. Open enrollment for 2017 is November 1, 2016, to January 31, 2017.
• <H3> Contact An Affordable Health Pro government certified agent, we offer a no obligation free consultation. Fill out our contact form and one of our agents will call you back or speak to a licensed agent now - call toll-free 1-888-324-8390
• <H2> Have a Government Certified Healthcare Agent Contact Me
• <H1> IMPORTANT!
• <H3> Unless you recently had a major life change, you can’t Get Private Coverage outside of open enrollment. If you try to buy private insurance outside of open enrollment, chances are you’ll end up with a plan that doesn’t protect you from the fee. In most cases, you’ll just have to wait until next open enrollment unless, of course, you qualify for a special enrollment period.
• <H3> 6 in 10 uninsured Americans can get covered for $100 or less a month. There is a 6 in 10 chance this applies to you. Nearly 9 in 10 (87%) of those who enrolled in a marketplace account got assistance. Again, a 9 in 10 chance this applies to you. However, don’t forget that cost assistance is based on annual household income. If you make more income than you expected, you could end up replaying tax credits. Contact our agents to compare health plans for more tips and tricks on saving money on health plans.
• <H3> Compare Health Marketplace & Private Insurance Plans from Companies Including:
• <H1> What Customers are Saying about Affordable Health Pro
• <H1> We offer a no obligation free consultation, speak to a licensed agent now, toll-free 1-888-324-8390
• <H3> Experience
• <H3> Family Owned
• <H3> Fast Consultation & Service
• <H1> General Healthcare Insurance Information
• <H4> Health Care Tips (Click to Read)
• <H3> These tips go beyond simply buying a health plan, below is most of what you’ll need to know about shopping for a health plan under the Affordable Care Act inside or outside of the new Health Insurance Marketplaces:
• <H3> When you shop for coverage, make sure it’s minimum essential coverage. That is the type of coverage you need to avoid the fee.
• <H3> If you can’t afford coverage, you may be exempt from the mandate to obtain coverage and maintain it throughout the year or pay a fee.
• <H3> No matter what, if you are under 65, you are eligible to buy any private plan on or off the Health Insurance Marketplace if you can afford it. You can’t be denied for being sick in the past or charged more based on gender. Most people will have to Shop Around to find the best plan.
• <H3> Only a limited amount of factors affect what you pay for your health coverage. Aside from the few things insurers can base your cost on, many types of cost assistance can help lower what you pay for premiums and cost sharing. These include Tax Credits, Cost Sharing Reduction subsidies, Medicaid, and CHIP.
• <H3> Cost assistance is based on Modified Adjusted Gross Income (MAGI) and the Federal Poverty Level (FPL).
• <H3> Health Insurance has a few different costs. Premiums are what you pay up front. Copays are a set dollar amount you pay before your deductible, coinsurance is a percentage amount you pay after your deductible, all covered in-network costs go toward your deductible and out-of-pocket maximum. When you reach your maximum, your insurer pays 100%. This all resets each policy period.
• <H3> All plans provide services from at least ten essential benefit categories. All the essential care you’ll need if you break a leg, get cancer, need birth control, go into labor, need rehab services, or mental health services, drugs, etc. is included. Most services are subject to cost sharing, but a few like an annual wellness visit and key preventive care are free for you at the point of service.
• <H3> All plans have limits on maximum deductibles and maximum out-of-pocket maximums in a policy period (in 2017 $7,150 for an individual and $14,300 for a family). Since all plans limit the maximum amount you can spend out-of-pocket in a policy period, and your claims can never be denied due to reaching dollar limits, even the cheapest major medical plan covers you in an emergency.
• <H3> When you apply Cost-Sharing Reduction subsidies or if you have Medicaid or CHIP, out-of-pocket maximums and deductibles will be lower. If you get a higher premium plan, these cost sharing amounts can be reduced as well.
• <H3> Look at all of the medical services you and your family use in a year and their costs. On low deductible plans, make sure those services are covered by coinsurance or generous copays. On high deductible plans, copays are much more important. Remember copays are your cost before deductibles, coinsurance is your share of costs after deductibles. If you use a service often, a small cost sharing difference can be a big deal.
• <H3> If you know a family member is sick and will need expensive treatment, your primary concern should be finding a plan with a low out-of-pocket maximum and covered services that meet your needs. You can always ask your service providers which insurance types they think are best for your needs.
• <H3> Only covered in-network services count in full toward your in-network deductible and in-network out-of-pocket maximum. You could have separate out-of-network deductibles and maximums, services that aren’t “covered services” may not count at all. Networks are important, going out-of-network in an emergency can mean you are stuck with 100% of the costs.
• <H3> A plan’s network includes a drug formulary. This is the cost sharing amounts for drugs covered by your plan. If you take prescription medicine, make sure your plan has good cost sharing and includes your prescription on their formulary.
• <H3> If you get an HMO, you’ll need a primary care provider, and you’ll need referrals for care. You’ll tend to have a narrower network. PPOs have a larger network, but are less focused. For a family who knows where they will go for treatment, an HMO is a good choice. If you don’t know, a PPO may be a better bet.
• <H3> Individuals, especially healthy ones, can get away with a high-deductible low-cost plan. This will provide catastrophic coverage. On covered in-network services (most essential services you’ll ever need) you’ll never pay more than your deductible out-of-pocket before cost sharing kicks in and you’ll never pay more than your out-of-pocket maximum in a policy period (typically a year). Plus you get a few free benefits with no cost sharing to take care of your basic health.
• <H3> On high deductible plans, the money you save in premium payments can be put in a Health Savings Account HSA to help pay for treatment out-of-pocket when you need it. This money doesn’t get taxed, so that is a big plus. It also can help you lower your MAGI, meaning you could qualify for more assistance. Just keep in mind, you could owe up to the full out-of-pocket maximum in a short time in an emergency (although you can typically pay this bill over time).
• <H3> Pay attention to your deductible. In an emergency, you could owe your whole deductible at once after this coinsurance kicks in. Even then, expensive treatment could result in you owing your whole maximum at once. Once you reach your maximum your insurer pays 100%.
• <H3> It’s important to understand your premium buys you coverage, some cost sharing, and protection in an emergency. It does not simply pay for all of your care. In fact, some plans require you to pay for almost all of your care.
• <H3> Cost sharing is the main benefit of higher premium plans, but some higher premium plans will also have better networks and allow you to access more covered services more often. If you have a lot of medical needs, this could provide extra value.
• <H3> It’s often cheaper, in the long run, to keep your premium low and simply pay the deductible and maximum in an emergency. For individual plans, especially subsidized ones this is truer. Family plans have higher out-of-pocket maximums, so cost sharing and a low deductible becomes more important for families. If only one family member gets sick you could be out the full maximum on a family plan, if that same person had their own coverage that maximum would be less than half the amount you’d pay as a family. So if you have one very sick household member and only a few people in your household you could consider individual plans for everyone.
• <H3> If you get in a worse case scenario where you’ll need tens of thousands in care, no plan will keep you from paying your full maximum in a policy period. It is for this reason lower premium, catastrophic plans, are attractive. However, good coinsurance and a low deductible can keep you from owing large amounts at once, since the cost of your treatment will typically accrue slower with the insurer paying the majority of claims. Plans with lower maximums could provide the best value for some.
• <H3> For individuals and Families buying private insurance, you’ll base your plan choice on cost assistance. If you make less than 138% FPL, and your state expanded Medicaid, get Medicaid. If you make less than 250% FPL, get a Silver plan. If you make less than 400% FPL any Marketplace plan will work. However, if you make 300% or more FPL check-out both marketplace and non-marketplace options.
• <H3> Silver plans with cost assistance provide the best value. They are the standard benchmark plan cost assistance is based on. They tend to be able to be paired with an HSA, which can be used to qualify for even more assistance. When paired with Cost Sharing Reduction subsidies, they provide the best value health insurance on the market. They aren’t perfect, but they are pretty close.
• <H3> Beware high-end plans. There will be a 40% Excise Tax “Cadillac” on high-end Premium Health Insurance Plans starting in 2018. Unless you need some serious medical treatment, the added cost will often not be worth the benefits. A lot of price shock under the ACA is related to overbuying. “The best plan” isn’t always the most expensive, and it certainly isn’t always the cheapest. It depends just as much on your needs as it does the price tag.
• <H3> More than 50% of Americans get their coverage through work. If you have access to employer-based plan, make sure it meets affordability and minimum value guidelines. Also be aware your family may not be able to get cost assistance if you have an employer-sponsored plan. When in doubt, lower earning workers should pick the cheapest employer-based plan if they have the option.
• <H3> No one has to take the coverage their work offers them, but they will miss out on employer contributions.
• <H3> Sometimes group plans can offer the best value. Some employers offer self-managed group plans, but group plans aren’t limited to employers only.
• <H3> If you are over 65 you’ll need to navigate the private Medicare insurance industry. As a rule of thumb always get Parts A&B, and get Part D with Medigap, or Part C with a drug plan during your initial enrollment period. If you overbuy, you can scale back during your next enrollment period. If you don’t get the supplemental coverage, you could end up paying more down the road. We suggest using Medicare.Gov to shop for plans with the help of a local in-person agent.
• <H3> In-person agents will help Individuals and families to find the right plan, and it’s smart to utilize the fact this industry exists. Getting the right health plan is confusing and getting assistance from an expert is vital. Pitfalls are that some brokers have a limited selection of plans they can sell. Also, some agents may lack an understanding of your medical needs and your local networks.
• <H3> On that note, prices and networks depend on region. If you have a Primary Care Provider (PCP) simply ask them what coverage they think is the best for your family. That will typically narrow your coverage choices to a few plans. Doctors deal with insurers everyday; they know who the “insurer rock stars” of your region are.
• <H3> Getting it right the first time isn’t likely. Chances are you won’t find the perfect plan right away, that is OK. Every year you get a chance to shop around again. By knowing what wasn’t covered last year, you’ll be able to pick a plan that covers it this year.
• <H3> Whatever you do, don’t go without coverage. The number one reason for bankruptcy in America is bankruptcy related to medical bills. Your out-of-pocket maximum will save you from bankruptcy in an emergency and your plan will ensure that you get the care you need. Don’t put your wallet and life on the line by going without coverage. Even the cheapest bare bones Major Medical plan provides amazing coverage in the worst cases.
• <H3> By 2025 when all the ACA’s provisions have taken effect and the uninsured rate should be as low as it will get. 25% of uninsured will qualify for Medicaid and CHIP but will not fill out the form to get free or low-cost coverage. If you can’t afford coverage, make sure you don’t qualify for Medicaid before stopping the search.
• <H4> Obamacare Explained (Click to Read)
• <H3> So what is ObamaCare and what does it mean to you? There are some facts that you need to know about the Affordable Care Act to ensure you avoid the fee and get affordable coverage.
• <H3> Every year during an annual open enrollment period people can obtain coverage through the health insurance marketplace, or Shop Outside Of The Marketplace. This year open enrollment starts on November 1st, 2016 and ends January 31st,2017.
• <H3> Many Americans making under 400% of the federal poverty level (FPL) will qualify for cost assistance subsidies through the marketplace. Cost assistance comes in three forms: Premium Tax Credits (PTCs) for reduced premium costs, Cost-sharing Reduction Subsidies (CRSs) for reduced out-of-pocket costs, and both Medicaid and CHIP.
• <H3> The Affordable Care Act contains over a thousand pages of reforms to the insurance and health care industries in order to combat rising health care costs and to provide affordable health insurance to more Americans. Despite its overall length and complexity, most of the important reforms are contained within the first 140 pages of the law. Look at our summary of the many titles and sections of the Affordable Care Act.
• <H3> • Before the ACA passed you could be denied coverage or treatment because you had been sick in the past (had a pre-existing condition), be charged more because you were a woman, or be dropped mid-treatment for making a simple mistake on your application. You had little or no way to effectively appeal insurance company rulings. Today all Americans have access to a large number of unprecedented new benefits, rights, and protections.
• <H3> • As of 2013, there were around 44 million Americans who went without health insurance (about 16% of the population). The majority of uninsured were working families and others who simply could not afford health insurance. One of the major aims of ObamaCare is to help these individuals to get health insurance through expanding Medicaid eligibility and offering cost assistance through health insurance marketplaces. By the end of open enrollment 2014, less than 13% of Americans were uninsured. By 2015 the uninsured rate had fallen below 10%.
• <H3> The Affordable Care Act reforms Medicare. This includes offering Medicare recipients the same new benefits, rights, and protections as everyone else, as well reforming many aspects of the Medicare system including cuts to aspects of the program that weren’t working. Medicare isn’t part of the marketplace if you have Part A or Part C you are considered covered.
• <H3> Small businesses with less than 25 full-time equivalent employees making less than $25,000 in average annual wages are now eligible for subsidized health insurance. Learn more about ObamaCare’s subsidies.
• <H3> As of 2016 large employers had to provide health coverage to full-time workers. This will help to provide coverage to those who aren’t covered by subsidized private insurance or the expansion of Medicaid. Learn more about the employer mandate.
• <H3> Starting in 2014 most non-exempt Americans have to maintain minimum essential coverage throughout each year, get an exemption, or pay a per month fee on their year-end federal income taxes for every month they go without coverage. Learn more about the “individual mandate” that requires you to obtain coverage or pay a fee.
• <H3> The type of coverage you need to avoid the fee is called minimum essential coverage. This can only be obtained during each insurance kind of insurance’s open enrollment period
• <H3> There are many exemptions to the individual mandate to obtain insurance, including a “short coverage gap” exemption which allows anyone to go without coverage for less than three months in a row without being responsible for the fee. Make sure to sign up during open enrollment and to have no more than “less than a three-month” coverage gap

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