These plans are typically the most comprehensive available and they must meet all the requirements of the Affordable Care Act (ACA), including coverage for preexisting conditions.
The cost of your coverage will likely change based on age and tobacco use, but you will not be denied coverage because of a preexisting condition.
Every ACA plan has standardized benefits and must provide the following 10 “essential” health benefits:
The marketplace is another word for a health insurance exchange where you can search and buy plans for individuals and families.
Depending where you live, you will either have access to the federal government’s healthcare.gov marketplace or the marketplace available in your state.
Most people use healthcare.gov, which serves residents in 37 states as of 2020. There are 13 states and the District of Columbia that have their own state marketplaces.
If your home state is listed below, then you will likely need to use your state marketplace.
Hollywood, FL — Waxman Insurance is taking its place as a member of the 2022 Marketplace Elite Circle of Champions, recognizing the company's hard work helping consumers enroll in and manage qualified health plan coverage through the Health Insurance Marketplace.
This Centers for Medicare & Medicaid Services (CMS) award for agents and brokers who assist more than 100 consumers during the Open Enrollment Period recognizes Waxman Insurance for dedication, expertise, and service.
“Helping 100 consumers during the Open Enrollment Period is a great achievement,” said Ellen Montz, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank Waxman Insurance for providing trusted advice and exceptional service to help expand access to health insurance coverage in communities across America. More info here.
When evaluating individual and family health insurance options, your first step should be to see if you qualify for a premium tax credit.
A tax credit can significantly reduce your premium (the amount you pay each month to the insurance carrier) and give you a “benefit-rich” policy for a fraction of the price.
Eligibility is based on several factors but the main considerations are your estimated household income and whether or not you're eligible for other coverage through your employer.
You can check your eligibility and see what kind of savings you qualify for under the Affordable Care Act through the eligibility calculator within our quoting tool.
Keep in mind that to be able to use your tax credit you must enroll in an ACA plan that is “tax-credit eligible”.
If you would like help applying for a tax credit, or have questions about tax credit-eligible plans, please contact us.
These private plans, often referred to as “Off-Exchange Plans”, may meet all the requirements of the Affordable Care Act (ACA) and provide the same 10 essential health benefits as a marketplace plan.
A key difference, however, is you will not be allowed to apply a premium tax credit to a private health insurance plan - as you could with a marketplace plan.
This means you will have a financial incentive to purchase a marketplace plan if you’re eligible for a premium tax credit.
The private health insurance plans available will vary depending on where you live.
The federal and state marketplaces do not provide a list or access to these plans, but that's where we can assist you.
As an independent insurance broker, we can help you review plans that are available both on and off the marketplace.
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Not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-medicare to get information on all of your options.