Market place / health care
HEALTH CARE & TAXES
What is the affordable assistance law?
The Affordable Assistance Law extends the accessibility, quality and availability of private and public health insurance through consumer protections, regulations, subsidies, taxes, insurance exchanges and other reforms.The Affordable Assistance Act does not replace private insurance, Medicare or Medicaid, but rather offers a series of new benefits, rights and protections.We offer health insurance plans from several companies: Ambetter - Molina - Oscar - Florida Blue and others..Your monthly payments could be FREE if you qualify according to your income and insured family number.
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Frequently asked questions health plans
- Does it have any additional cost to make my health insurance policy through an agent outside the Market Place?
- NO, the price of your health policy is the same, medical insurance agents cannot charge the insured anything extra.
- Who can buy coverage in the insurance market?
- Most people can buy coverage on the insurance market. To be eligible, you must live in the state where your market is, you must be a citizen of the United States or be in the country legally, and you must not be in prison.
- Can I buy a health plan in the insurance market if I do not have permanent residence ?
- If you are not a citizen of the United States (born or naturalized), or an alien legally present in the country, you are not eligible to purchase a plan on the insurance market.
- How much does health insurance cost in the insurance market?
- The cost is highly variable and depends on income, family nucleus and the type of insurance you choose, in some cases the cost may be totally free.
- Can you charge me more if I have a pre-existing condition?
- No. Marketplace health plans do not allow you to be charged more based on your health or a pre-existing condition. However, some plans, such as short-term ones, sold outside the insurance marketplace, may reject you, or charge you more, for your pre-existing condition.
- Can you charge me more for my age?
- Yes, in most states you can, within limits. Federal rules allow insurers to charge older adults (for example, in their 60s) up to three times the premium they would charge for younger adults (for example, in their early twenties). This limit on age classification applies to all non-group or small group health insurance policies, whether sold on the market or out. Some states prohibit insurers from adjusting premiums for age, or limit the age adjustment to less than three to one.
- Dental coverage, is it an essential health benefit? It depends on the type of insurance you choose, some do cover it and some don't. Can I pay for my insurance with a credit, debit, money order or cash card? Many insurers now accept all of these forms of payment. I am eligible for health benefits at work, but I want to see if I can get a better deal on the market. I can do that? You can always buy coverage on the market, assuming you meet other eligibility requirements, but if you have access to coverage through work, you may not qualify for subsidies to help pay for premiums.
- What benefits are covered under the marketplace health plans?
- All qualified health plans offered on the market will cover essential health benefits. Categories of essential health benefits include:
- Outpatient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization
- Maternal and child care (care before and after the birth of your baby)
- Mental health and addiction disorder services, including behavioral health treatment.
- Prescription drugs
- Rehabilitation services and devices (to help people with injuries, disabilities, or chronic conditions gain or regain mental and physical abilities)
- Laboratory services
- Preventive and wellness services, and chronic disease management.
- Pediatric services, including dental and vision care.
- Additionally, all plans must cover testing for COVID-19 at no cost.