Sign Up for Obamacare Starting Nov. 1st
Miami, Florida, United States of America – October 9, 2015 /PressCable/ —
http://www.ezhealthmart.com/ Obamacare / Obama Care / Health Insurance / Affordable Health Insurance / Obamacare Enrollment / How to sign up for Obamacare business, ezHealthMart, has published a new how-to guide dedicated to helping People interested in signing up for Obamacare / People age 18-65 / / People interested in Affordable Care Act get the best health plan at the best price based on the consumers location and age. This guide will also have information useful to anybody facing the challenge of Finding educated licensed Agents. http://www.ezhealthmart.com/
Interested parties are invited to review the how-to guide in full on their website: http://www.ezhealthmart.com/ezblog/
This most recent how-to guide from ezHealthMart contains precise and detailed steps and instructions, designed to be used by people interested in changing their Obamacare plan / folks looking to save money on health insurance and others who need help getting the Best health plan, as quickly, easily and with as little stress as possible.
ezHealthMart states that this accessible, easy to follow guide provides all of the information necessary to fully understand the topic, to get the results they want. The Full How-To Guide Covers: Apply for Obamacare through a private exchange or The Health Insurance Marketplace – If consumers are uninsured or buy their own health insurance insurance, there are two options they have when it comes to buying health insurance that meets the minimum coverage standards of the law.
Private Exchanges such as ezHealthMart or The Health Insurance Marketplace (the government facilitated website). Here are a list of pros and cons for both. Here are the positives when it comes to the Private Exchanges: first, consumers can buy health insurance from licensed agents, online and in person (there are many times especially when the consumer is self employed where they must upload multiple documents which is much better when a consumer may go to an enrollment center such as https://www.facebook.com/ObamacarePros/ and have an agent do it for them), or direct from insurance companies. Second, private enrollment centers are typically staffed with licensed health insurance insurance agents. There are more options when shopping for plans through a licensed agent, examples are Major Medical Plans (Under the ACA, consumers who do not qualify for or want a subsidy, but who want to avoid the tax penalty, can buy major medical health insurance plans that meet ACA coverage standards on or off of government-run state exchanges), Qualified Health Plans (Consumers who qualify for and want to use a subsidy to pay for a QHP will be able to research QHP plan data on some private exchanges and enroll in a plan if the private exchange meets the requirements for offering QHP plans. In some states it is anticipated that applicants may be able to do this online, while in others a person may have to help them enroll offline. Consumers can also purchase a QHP through their state’s government-run health insurance exchange or marketplace), Supplemental Plans (many consumers want benefits beyond what’s provided in a major medical health insurance plan. Benefits like life, dental, vision, critical illness, and accident insurance are a popular part of benefits packages offered by employers and will be available for individuals on private exchanges. Some government exchanges may offer some of these products as well). The ONLY Health Plan Option available through the government portal (Health Insurance Marketplace) is the Qualified Health Plan option. The versatility of plan options definitely goes to Private Exchanges such as http://www.ezhealthmart.com/ but consumers always want to be certain that they are speaking with a licensed agent, so be sure to ask for the agent’s license and national producer number so that the consumer may verify them in the future.
Licensed Agents VS Health Exchange Navigators Which Path Is Better –Here are some differences that will help consumers make an educated decision. First, Navigators are not required to undergo criminal background checks while licensed agents are. Second, because the Navigators are not local and educated on their specific market they will not know about changes in network and coverage not listed on the government website. Third, Exchange Navigators are usually not LICENSED (pass strict insurance licensing exams). Forth, A licensed agent will act as an advocate if consumers have a problem with the insurance company while Navigators will NOT. Fifth, they are not equipped to help consumers with off exchange health plans (which may be lower in cost if they have a higher income). There are positives on both sides such as both do not charge, and both help them qualify for financial assistance (tax credit, government subsidy). The fact of the matter is that using a Health Exchange Navigator does not compare to a State Licensed Insurance Agent.
Income Requirements & Qualifying for Subsidized Financial Assistance – The subsidies (also called Premium Tax Credits) work on a sliding scale that limits the consumers spending on monthly health insurance premiums to a fixed percentage of their annual income if they buy the “benchmark plan,” which is the second least expensive plan available in their area. If that benchmark plan costs more than the fixed percentage of their estimated annual income, they may receive a subsidy in the amount of the difference. They may then use that subsidy when buying a “qualified health plan” (QHP).
When asked for more information about the guide, the reasons behind creating a guide on Sign Up for Obamacare / Avoid problems signing up for Obamacare / Sign up for Obamacare correctly and what they hope to accomplish with it, Joseph Gannon, President at ezHealthMart said: “This guide will help consumers in the long run by informing them of all of the available options for buying or applying for Obamacare (Affordable Care Act Plan’s) or affordable Health Coverage.”
People of ages 18-65 / People interested in signing up for Obamacare / People interested in affordable Health Coverage and anybody interested in Signing Up for Obamacare / Avoid problems signing up for Obamacare / Sign up for Obamacare correctly are invited to review the how-to guide online: http://www.ezhealthmart.com/ezblog/
More information about ezHealthMart itself can be found at http://www.ezhealthmart.com/.
For more information about us, please visit http://www.ezhealthmart.com/