Do you need to cover pre-existing conditions?
Can you afford to pay for that?
I’m a licensed health insurance broker based in Nashville and appointed for Tennessee with Aetna, Blue Cross, Cigna, United Health Care, Bright, Oscar, and AmBetter. I also represent Medi-Share, a Christian co-operative healthcare provider. Everyone has a unique situation and I can help you choose the plan that fits your needs best.
No matter your politics, it's pretty powerful to have pre-existing health conditions covered. Sometimes it's the most important thing. On the other hand, you may be healthy enough to qualify for underwritten coverage and would rather save on your premium. Who doesn't have things they'd rather spend money on, besides insurance premiums? There are some options.
Hopefully you understand about these plans by now. Commonly referred to as ObamaCare, the premiums can be very, very high. Do you need pre-existing conditions covered? You probably need a plan through the marketplace.
The good news for some is that there is a premium reduction for people who earn no more than 400% of the federal poverty level.
You may have heard about the Christian co-operative groups that are an alternative to insurance, or maybe you haven't. Regardless, these programs are one way to cover unforeseen health costs. Important to note: this program is NOT INSURANCE.
Short Term Plans are Underwritten to Health Questions.
Short term plans can now be written for a period of up to 364 days. They are more affordable than ACA plans, but pre-existing conditions are not typically covered, depending on your health status.
Now that there is no longer a penalty for not having a certain type of health insurance, many folks are using short term plans to cover unexpected health incidents.
These plans can save you a crazy amount of premium, IF you qualify.