Our Mission
At Insured Your Way, we are dedicated to providing peace of mind by offering health insurance coverage tailored to your unique needs.
Coverage
⭐⭐⭐⭐⭐
Transforming Lives:
We have successfully assisted thousands of individuals and families in addressing their healthcare needs.
Affordable Care Act Marketplace Insurance
Comprehensive Major Medical Insurance plans are available, featuring a Tax Credit Subsidy option aimed at reducing monthly premium expenses. These plans provide extensive coverage for all medical services, encompassing prescription drug benefits.
Income Eligibility
Individuals, families, and children with specific income thresholds may be eligible for Medicaid, the Children's Health Insurance Program (CHIP), or health insurance available through the Marketplace. Should eligibility be determined based on the estimated household income, applications are accepted at any time.
Frequently Asked Questions
What are considered qualified health plans?
All health plans available on the Marketplace are mandated to adhere to the criteria set forth for "qualified health plans."
Consequently, these plans are obligated to provide coverage for essential health benefits, restrict the extent of cost-sharing associated with covered benefits, including deductibles and co-pays, and ensure compliance with all other consumer protections stipulated by the Affordable Care Act.
Can I be charged more if I have a pre-existing condition?
No.
In adherence to regulatory standards, marketplace health plans are prohibited from adjusting premiums based on an individual's health status or pre-existing conditions.
Nevertheless, it is important to note that certain plans, specifically those outside the marketplace, such as short-term policies, retain the discretion to either deny coverage or impose higher premiums based on an individual's health status or pre-existing conditions.
What health benefits are covered under Marketplace plans?
All eligible health plans available through the Marketplace will encompass essential health benefits, which are categorized as follows:
1. Ambulatory patient services (outpatient care provided without hospital admission)
2. Emergency services
3. Hospitalization
4. Maternity and newborn care (including care before and after childbirth)
5. Mental health and substance use disorder services, inclusive of behavioral health treatment
6. Prescription drugs
7. Rehabilitative and habilitative services and devices (aimed at assisting individuals with injuries, disabilities, or chronic conditions in gaining or recovering mental and physical skills)
8. Laboratory services
9. Preventive and wellness services and chronic disease management
10. Pediatric services, encompassing dental and vision care.
It is important to note that specific coverage details within these categories may vary among different plans.
Who can get covered through the Affordable Care Act for 2024?
It is advisable to reassess your insurance options periodically, as new regulations and enhanced affordability may introduce more attractive coverage alternatives.
The ongoing affordability of coverage is sustained through 2025 under the Inflation Reduction Act. A considerable number now have access to comprehensive coverage with a $0 monthly premium and minimal or no deductibles.
This includes citizens with incomes ranging between 100-150% of the federal poverty level, which translates to individuals earning between $14,580 and $21,870, or families of four with incomes between $30,000 and $45,000.
