If you are currently self employed or unemployed, you may be interested in pursuing a plan through the Marketplace. Marketplace Insurance, can provide excellent coverage, but it can be overwhelming. With so many options available, it’s imperative that you understand exactly what you are signing up for!

Call us today at iHealthBrokers at 888-410-0344. There is ABSOLUTELY NO CHARGE for our services. We will walk you through the enrollment process and ensure that you get the best possible coverage at the lowest possible rate.

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Marketplace insurance is part of the Affordable Care Act (ACA) sometimes known as Obamacare. It was designed as a way to offer comprehensive health care at affordable rates. Marketplace insurance is a great way to purchase coverage if you are self-employed or unemployed. One of the central conceits of the Affordable Care Act is that all health insurance plans must offer essential benefits. You can find a full list of essential benefits here: https://www.healthcare.gov/coverage/p...

You are able to enroll in Marketplace Insurance every year during the annual open enrollment period. The Open Enrollment Period is November 1st- December 15th. Coverage begins on January 1st. You may also qualify for a Special Enrollment Period if you’ve undergone certain life events. Dependent upon your Special Enrollment Period type, you may have 60 days before or 60 days after the event to enroll in a plan. If you miss your Special Enrollment Period window, you may have to wait until the next Open Enrollment Period to apply.

There are multiple ways in which you can enroll. You can:

Use an Agent
Use a Broker
Call Healthcare.gov
Use the Healthchare.gov website

First, you may call an agent. An agent is a representative of a particular carrier (insurance company). An agent will only present you with their company’s available plan. You will not receive any type of special discount or avoid fees by working directly with an agent.

You may also call a broker. A broker works for you not the insurance company. They will help you compare multiple plans offered by multiple carriers. You will not be charged any type of additional fee by working with a broker. This is why working with a broker is our number one recommendation. If you’d like assistance, you can reach us at iHealthBrokers at 888-918-0518.

Next, you may call Healthcare.gov directly. A call center representative can describe all available plans, help you compare them by price and features, and finish your enrollment by phone. Call 1-800-318-2596 (TTY: 1-855-889-4325).

Finally, you may use the website: healthcare.gov

If you've had insurance through your employer in the past, insurance through the Marketplace may come with a bit of sticker shock. As with any insurance plan, there are monthly premiums, out of pocket deductibles to meet and copays or coinsurance. It’s important to have a good idea of exactly what your needs are upfront so that you can pick a plan accordingly. Choosing the right plan is one way of saving money on the Marketplace.

Additionally, there are tax credits available dependent upon your income level. In order to qualify, your income must be between 100%-400% of the federal poverty guide for your household size. You may be able to lower your taxable income by contributing to a Health Savings Account (HSA). These are only available with High Deductible Health Plans (HDHP). You can also contribute a portion of your income to a 401K or IRA if available. To learn how to lower your AGI (Adjusted Gross Income), you may want to speak with an accountant or financial advisor. Healthcare.gov will ask you to estimate your income for the upcoming year and will price your plans accordingly. Should you make more than your estimate, you may be required to pay these tax credits back when you file.

Finally, the easiest way to save money on your health insurance is to work with a licensed broker. They will listen to your needs and find you the best possible plan at the lowest possible rate. If you have any questions or concerns, please feel free to give us a call at (888) 918-0518 or schedule a call today.


Give us a call at (888) 410-0344 or visit us online at https://ihealthbrokers.com/


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