This means that I will be able to assist my clients with their questions regarding the government run health insurance marketplace exchange.
As these next few weeks roll along, increased functionality will be available for both consumers and agents. Meanwhile, I will be able to advise on pricing and plans both on and off the government exchange.
then you will likely be better off applying for a guaranteed issue off exchange private plan.
If your household income is less than 400% of FPL, then you will qualify for Premium Assistance Tax Credits and may qualify for Cost Sharing Subsidies. Premium Assistance lowers your monthly premium. Cost Sharing Subsidies make your plan richer, for example, instead of a $40 copay, you could have a $3 copay for an office visit.
One significant trade off of some of the Exchange plans is that many doctor and hospital group networks are limited. So, it is important to make sure that your physicians are on the plan that you choose.
There are now four ways for people to get insurance: private individual, private group, Exchange individual, and SHOP (Exchange group).
For assistance with this new complexity please call John Caris at 707-935-6294 x103 or Contact him.