2024 Marketplace Open Enrollment- Premium Tax Credits, HSA and MORE!

2024 Marketplace Open Enrollment- Premium Tax Credits, HSA and MORE!

In this video, we're going to talk about the health care law and how it affects you!

The Health Care Reform Act of 2010 is commonly known as the Affordable Care Act (ACA). The aim of the ACA is to reduce the cost of health care, by expanding health insurance to more people and improving the quality of care. We will explore how the ACA affects you, eligibility for a premium tax credit for health insurance and look at ways to protect yourself and your family.

So if you're looking for information about the health care law, this is the video for you! We'll talk about the impact of the law on you and your family, and give you tips on how to protect yourself and your health. Stay tuned for more updates on the health care law

Call us today at iHealthBrokers at 888-410-0344. Our services are 100% FREE!

★☆★ABOUT THIS VIDEO★☆★
0:00 Intro
0:37 Essential Benefits
1:40 Metal Tiers
2:57 HMO, EPO, & PPO
3:44 Premium Tax Credits
5:27 2023 Marketplace Plans
22:32 Open Enrollment 2023

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- January 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 888-410-0344.

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.

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).

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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