How to choose a plan in the Health Insurance Marketplace

How to pick the right health insurance plan How do you find a health insurance plan that fits your budget and meets your needs? A good plan protects you and your family at a price that’s right for you. You can feel safe knowing that all Marketplace plans cover a core set of essential health benefits, like check-ups, having a baby, emergency care, prescription drugs and more. Most Marketplace plans must also include free preventive care like shots and screening tests. And don’t worry if you have a pre-existing condition. You’ll see the same plans at the same cost as everyone else. You can’t be denied coverage. Here are a few things to think about before you look at health insurance plans: Health insurance is a contract between you and your insurance company. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt. Although all plans in the Marketplace cover a core set of benefits, the amount you’ll pay will be different from plan to plan. In general, if your monthly premium payments are low, the cost of getting care or how much you’ll pay out of your own pocket for things like prescriptions or hospital stays will be higher. And if you pay more each month for your premium,
those other costs will be lower. Finding a good health plan means balancing how much you pay for your premium each month with how much healthcare you think you and your family are going to need during the year. If you’re healthy and don’t go to the doctor very often, then a plan with a low monthly premium will probably cost you the least. But if you do need to go to the doctor a lot,
or you need a lot of expensive prescriptions, you should look at plans where the cost of getting care or how much you’ll pay out of your own pocket will be lower. If you really need a lot of health care, spending a bit more on your monthly premiums will actually save you money in the long run.

5 Replies to “How to choose a plan in the Health Insurance Marketplace”

  1. So how does this factor in getting hit by a random drunk driver, or getting caught in a burning building, or cancer? There are situations no one can predict or prepare for. What happens to those people? How do they get help when cost for medical care is so high?

  2. Now if we can only get the Insurance Cartel out from between me and my doctor like it is now. The plan keeps the Insurance Cartel in charge for the most part but does set 10 minimum care standards and that has long been needed. The many wak-a-doodles who call the ACA government interference could really use the mental healthcare provide for in the ACA. Way to go Barack in fulfilling an idea almost a 100 years old. Also an idea born in the minds of the Conservative Heritage Foundation. They had it right back then. If only the NoPublicans of today could see past the money that bought out their souls.  If only we can move to a Single Payer or Medicare for All model that provides real competition for the insurance cartel.

  3. I had to send photocopies of my license, birth certificate, SS #, Military and other requested ID’s to: (Health Insurance Marketplace, Department of Health & Human Service in London KY) to identify my self.  Hope this will solved my identity problem with your ancient system. Looks like your agency is still in the middle ages. I am risking having my Identity stolen because of your Archaic System.

    I should go to the New with this…

  4. Sooooo, they are promoting this BS on a web site that DOES work. I bet YouTube didn't cost Half a Billion dollars and still rising. HHS should be De-Funded.

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