Understand what your health insurance covers.
Here are 10 essential health benefits covered by health insurance plans.
Take advantage of Preventive care services
Preventive care helps you stay healthy and identify health risks so you can take action. Here are examples of free preventive care through your plan’s network providers:
Contact your health care provider to schedule the preventive health screenings that are appropriate for you, and check your health plan to find out what’s covered.
Remember, Obmacare ensures coverage for pre-existing conditions
All Marketplace plans, except for grandfathered plans, must cover treatment for pre-existing medical conditions.
Apply for Advanced Premium Tax Credits
Apply for the Advanced Premium Tax Credit (APTC) if you're earning between 100% and 400% of the federal poverty level. APTCs are the subsidy attached to the ACA that lowers your out-of-pocket premium costs. The APTC is an especially helpful tool for seniors aged 50 to 64 and lower-income individuals and families that makes their premiums affordable.
In 2018, the federal poverty level for a household of one will be $12,060, meaning folks with earned income of $12,060 to $48,240 may qualify for the APTC.
Apply for cost-sharing reductions
Similarly, you should also see if you qualify for cost-sharing reductions (CSRs), which help lower your out-of-pocket expenses when heading to the doctor. Those earning between 100% and 250% of the federal poverty level qualify for CSRs, but there is one major catch. In order to receive CSRs, you'll have to buy a silver-tier plan. Even though bronze-tier plans have lower monthly premiums, no CSRs are given to consumers if they purchase a bronze plan. Thus, it's in your best interests to consider purchasing a silver plan if you'll qualify for CSRs.
Based on the federal poverty levels for 2018 coverage, those earning between $12,060 and $30,150 may qualify.
This website is operated by EzObamacare LLC and is not the Health Insurance Marketplace℠ website. EzObamacare is a private exchange and is in the business of connecting potential consumers with qualified and certified Marketplace agents who can facilitate the sale and enrollment of consumers on Marketplace plans. In offering this website, EzObamacare LLC is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans(QHPs) being offered in your state through the Health Insurance Marketplace℠ website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace℠ website at HealthCare.gov.
Also, you should visit the Health Insurance Marketplace℠ website at HealthCare.gov if:
EzObamacare LLC offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.