Affordable Care Act
Many people acquire health insurance through their jobs, school, or spouses. However, other individuals, such as those who are unemployed or are self-employed, need to use various health insurance marketplaces to enroll in a plan that meets their unique medical needs. In fact, in accordance with the Affordable Care Act (ACA), both private and government-run health insurance marketplaces make it easier for individuals to review plans, ask questions, and compare health insurance quotes.
A health insurance marketplace is an incredibly valuable resource that is available for individuals, families, and small businesses as they research the best healthcare options for their unique medical needs. By visiting a health insurance marketplace, individuals can more readily complete the following tasks.
Instead of speaking with someone on the phone, or in person, you can receive a quote in minutes by providing some basic information about yourself on an online marketplace. The latter marketplaces are often considered the “one stop shop” for finding and purchasing health insurance throughout the entire year.
Essentially, a private health insurance exchange is a health insurance exchange run by a private company, and a public health insurance exchange is run by the government. The state exchanges are also considered public health insurance exchanges.
eHealth is an example of a private online marketplace, and an example of a public exchange is the government-run Marketplace. Public marketplaces such as the government Marketplace, or your state’s official exchange (if it has one) are only going to offer ACA-compliant health insurance plans, also called Obamacare, or Qualifying Health Plans (QHPs). Private marketplaces like eHealth have a wider range of options, including plans that have less benefits, but are more affordable. Luckily, on eHealth you can look at Obamacare plans (QHPs) along with off-exchange plans and major medical alternatives like short-term health insurance. You can even see if you qualify for a government subsidy and have it applied during enrollment without ever leaving eHealth’s site, since we have a proxy direct enrollment agreement with the federal marketplace.
Finding affordable health insurance has never been easier thanks to private health insurance markets. As discussed in the preceding section, private health insurance markets are designed to help you find individual health insurance plans and family health insurance plans in minutes. You can even receive free health insurance quotes without having to speak to someone on the phone. In this vein, comparing health insurance plans offers a variety of benefits.
Whether you have recently started a new company or are transitioning between jobs, you don’t want to be left unprotected. By using a private health insurance marketplace you can easily compare health insurance plans so that you and your family remain protected in the event of unexpected illnesses or injuries. If you take a few moments to compare health insurance quotes, you can more easily find the plan that best fits your unique medical needs. From choosing the most affordable plan to selecting a plan with the best health insurance companies, private health insurance marketplaces, such as eHealth, make it easy for you to get free online quotes, compare plans, shop, enroll, pay, and discover if you qualify for subsidies. Don’t delay, take a few minutes to find the health plan that is right for you and your family by visiting eHealth today.