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Many Americans qualify for a government subsidy to help pay for their health insurance costs. We connect you to the right plans and the right people to make sure you get the benefits you deserve. Start saving now on healthcare.

Obamacare Fee Calculator

In 2015, you may have to pay a minimum of $325 in penalties for not having a health insurance plan. Find out what you might owe.

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8 out of 10 Americans that use online services find healthcare plans for around $100 per month.

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How to Buy Health Insurance

Buying health insurance is a very personal decision, yet can be a confusing process for many individuals. However, figuring out how to pick an affordable health insurance plan, run a health insurance quote and then compare the different options and health insurance companies doesn’t need to be overwhelming.

Now that Obamacare is the law of the health care landscape, Americans have access to affordable health insurance based on their income and financial subsidy qualifications to reduce their costs. This new healthcare marketplace gives many individuals and families who have never had the opportunity to purchase medical insurance access to doctors and providers for in-network pricing.

You can find affordable health insurance in just a few steps if you pay attention to some specific details within a plan. When you run a health insurance quote, look for price, and then other out-of-pocket expenses you will be required to pay, such as total deductible amount, a coinsurance amount, and any copays for doctor or urgent care visits. The same applies for prescription drug coverage. Once you do the math and add up what your total yearly expenses might be, you can better estimate what medical insurance plan is best for your lifestyle and budget.

What is the Healthcare Marketplace?

Since the passing of Obamacare, also known as the Affordable Care Act, the healthcare marketplace has been established on both a state and federal level. The federal exchange provides affordable health insurance to 37 states, and 14 other exchanges are state-run. Health insurance companies vary from state to state, and are not required to provide all of their plan options on the healthcare marketplace.

The federally-run website can be referred to as the healthcare marketplace, but its formal name is the Health Insurance Marketplace. The healthcare marketplace refers to the overall, 50 state government-facilitated system for affordable health insurance plans put into place with the passing of Obamacare.

It’s important for consumers to compare both the government-run exchange plans as well as private exchange plans to get an idea of what medical insurance coverage is available, and what plans health insurance companies are offering on both. Options vary, so it’s important to shop around.

Important Health Insurance Definitions

A typical glossary of terms for health insurance includes the following:

  • Obamacare: The largest piece of health insurance legislation passed in decades, the Patient Protection and Affordable Care Act, which is commonly referred to as Obamacare, was signed into law by President Barak Obama in March 2010.
  • Healthcare Marketplace: A place where individuals without health insurance can find affordable health insurance options, either through a state exchange or the federal marketplace.
  • Affordable Health Insurance: With the passing of Obamacare, the government now subsidies health insurance plans based on income, providing those with a lower income more financial benefits for having a healthcare plan.
  • Medical Insurance: Also known as health insurance, healthcare plans or medical coverage.
  • Health Insurance Companies: Companies that provide and underwrite a health insurance plan, meaning, take the financial risk of paying claims, are typically referred to as health insurance companies.
  • Health Insurance Quotes: No one is expected to buy affordable health insurance without knowing the price upfront. Health insurance quotes are free of charge and provide consumers with detailed information about the medical insurance policy they are researching.
  • Premium: The monthly cost of a health insurance plan as also be referred to as a monthly premium.
  • Deductible: Nearly every health insurance plan requires a policyholder to pay a fixed dollar amount, in addition to their monthly premium, to help the health insurance company contain costs. The lower the deductible, the higher the monthly premium cost. The high the deductible, the more affordable health insurance becomes.

What is the Health Insurance Exchange?

With the passing of the Affordable Care Act, also known as Obamacare, the healthcare marketplace was born. Health care reform now provides affordable health insurance to Americans who purchase their own healthcare plan.

Thirty-seven states are part of the federally-run health insurance exchange. This marketplace provides affordable health insurance to the following states:

Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia West Virginia, Wisconsin and Wyoming.

In order to receive a tax subsidy on a health insurance quote, you must enroll in a healthcare plan on a government website, either through the health insurance exchange or through state-run website. If you do not qualify for financial assistance on your health insurance coverage, you can shop on either on the health insurance exchange or on a private marketplace.

Finding the Best Health Insurance Company

It’s important to analyze a health insurance company rating when you are looking at different health insurance quotes. Companies are rated on an A, B, C, etc. scale, and ratings are based on their financial stability and performance for paying health insurance claims in a timely manner. Friends and family are also excellent guides for helping selecting a great health insurance company based on their personal experiences.

There are thousands of Obamacare health insurance plans from hundreds of health insurance companies, so it’s important to shop around for the best and most affordable health insurance plan that is offered by a company that you have trust and confidence in.

What Happens if I Don’t Buy Health Insurance?

If you decide not to buy heath insurance, you are at risk for paying a hefty fine. In 2015, the tax penalty for not buying an affordable health insurance plan is $325 per person or 2% of your income, whichever is higher. In 2016 the fee will increase to $695 per person or 2.5% of your income.

Avoiding a medical insurance purchase will ultimately go against your income taxes. According to the Obamacare mandate, those who do not carry a healthcare plan for at least nine months of the year are subject to the penalty. For those that depend on receiving a tax refund every year, forgoing health insurance could actually result in paying Uncle Sam dollars that are not readily available. That’s why it’s a good idea to look into affordable health insurance coverage. A large portion of Americans qualify for tax subsidies, making an Obamacare healthcare plan more realistic than ever before.

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