Health Insurance
Health Insurance 101
ACA Marketplace
The Health Insurance Marketplace, also known as the ACA Marketplace or exchange, is a service that helps people shop for and enroll in health insurance. The Affordable Care Act (ACA) created the Marketplace in 2010.
Short Term Health
Short-term health insurance, also known as short-term, limited-duration health insurance (STLDI), is a temporary health plan that can help fill gaps in coverage when someone is transitioning between health plans.
It can be a good option for people who are uninsured, between jobs, or recently graduated from college.
I consent to receive automated SMS, email, and call communication from a licensed insurance agent. I agree to be contacted regarding Medicare Advantage, Medicare Supplement, Medicare Prescription Drug Plans, and other insurance products. You can reply STOP to unsubscribe at any time.
Personalized Insurance Solutions For Your Unique Healthcare Needs.
Frequently Asked Questions
When Can You Enroll In A Plan?
November 1: Open Enrollment starts.
December 15: Deadline to enroll coverage that starts January 1.
January 15: Open Enrollment ends. Last day to enroll for coverage that starts February 1.
After January 15, you can only get a health plan if you qualify for a Special Enrollment Period.
What Is The Difference Between HMO & PPO Plans?
Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) health plans differ in several ways, including cost, network coverage, and flexibility:
Cost: HMOs are generally more budget-friendly than PPOs, with lower monthly premiums, out-of-pocket costs, and sometimes no deductible. PPOs typically have higher monthly premiums, out-of-pocket costs, and deductibles.
Network coverage: HMOs have narrower networks of in-network providers, while PPOs generally have larger networks. With an HMO, you can only see in-network providers unless it's a medical emergency. With a PPO, you can see in-network or out-of-network providers, but out-of-network care may cost more.
Flexibility: HMOs are less flexible than PPOs. For example, HMO policyholders may need a referral from their primary care doctor to see an in-network specialist, while PPO members don't need prior approval or a referral. HMOs may also focus on prevention and wellness, and provide integrated care.
How Do You Pay Your Monthly Premium?
When you have Marketplace insurance, you'll pay your premiums directly to the insurance company — not the Marketplace. Your coverage won't start until you pay your first premium. Contact your plan to find out how they accept payment.
How Do You Report Changes To Your Income, Household, Or Address?
You can report changes to the Marketplace 3 ways: online, by phone, or in person — not by mail.
Copyright 2024 . All rights reserved
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 76 plans in your area.
Please contact , 1-800 MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."
Mark Manganello is not connected to the Federal Medicare Program. This is a solicitation for insurance.