Did you know if you have an ACA health plan that you can get physicals and many preventative health screenings free of cost? Many people say your health is your wealth. By getting preventative screenings, you can prevent larger problems and be here to do the things you love.
- Health insurance may be more affordable than you think! Through the Healthcare Marketplaces, you can get subsidies to help pay for coverage. Subsidies are based on household income and family size. The federal exchange is healthcare.gov. Many states, including PA and NJ, have gone to state-based exchanges. Pennsylvania’s healthcare exchange is called Pennie.com New Jersey’s exchange is GetCoveredNJ.com
The exchanges have rates for all the companies that do business in your area. There are a variety of plans. In general, there are four levels of plans (Bronze, Silver, Gold, and Platinum) All plans include preventative care.
- The Bronze plans are the least expensive. They are set up as catastrophic plans. They have a large deductible, and they are designed to take care of any big bills that may come your way. None of us know what lies ahead for us. This protects what you have worked hard to build for you and your family.
- The Silver plans are a popular plan choice. While still being on the lower end of the cost spectrum, they provide more first dollar coverages. It is also important to know that based on your income you may qualify for CSRs (Cost ShareReductions) if you have a silver plan. What this means is that you could get lower copays and deductibles than what is offered in the standard Silver plan.
- There are open enrollment periods during which you can purchase or change your Health plan. In general, this period of time runs from Nov. 1st to Jan. 15th. Some states extend the open enrollment to January 31st. You may, however, be able to purchase coverage mid-year if you qualify for a Special enrollment period. Some of the life changes that qualify you for a SEP include getting married, getting divorced, having a baby, moving, or losing other Coverage (Employer or Medicaid.)
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