On February 16, 2025 By newsroom Topic: Insurance Basics
Under ACA, annual limits are capped for essential health benefits.
Co-Pays
Emergency visit co-pays are higher but still manageable compared to full costs.
Deductibles
Higher deductibles mean lower monthly premiums but higher upfront costs.
Essential Health Benefits
ACA-mandated categories include emergency care, maternity, mental health, prescription drugs, and preventive services.
Plan Levels (ACA Marketplace)
Gold/Platinum: Higher premiums with lower out-of-pocket expenses.
Catastrophic Plans
Referrals needed for specialists.
Preferred Provider Organization (PPO)
No referrals required.
High-Deductible Health Plan (HDHP)
Ideal for healthy individuals with minimal medical needs.
Catastrophic Health Insurance
Often purchase through school or catastrophic plans for emergencies.
Employees
Access employer-sponsored insurance or opt for private plans.
Heads of Families
Choose family plans to cover all members under one policy.
Senior Citizens
Compare plans using online tools like eHealth or state exchanges.
Can I buy private insurance?
Yes, through brokers, agents, or marketplaces.
Do seniors get free health care?
Seniors (65+) qualify for Medicare, with supplemental plans available for added benefits.
How much does it cost to see a doctor without insurance?
Navigating health insurance doesn't have to be daunting - start comparing today!