HealthCare.Gov Info

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The purpose of this website is to provide consumers with useful information regarding health insurance. We want consumers to be more informed and educated about health insurance and provide space where they can save time. On this website you’ll be able to compare health insurance companies, eligibility requirements, find useful information on ObamaCare, easy access to links to sign in pages, step-by-step guides on how to sign-in to websites, phone numbers, addresses and much. Below is information on ObamaCare and Healthcare.gov.

Obama Care is actually called the Affordable Care Act. This act was signed into law on March 23, 2010 by President Obama. Even though this was signed a few years ago, there are still a lot of individuals that are asking “what is Obama care plan”. These individuals are also asking if they have to sign up for an Obama care plan. What you are going to find is that this was intended to be an affordable way for more individuals receive affordable health care. You can find out some very interesting facts about coverage and how to sign up for health insurance if you visit http://obamacarefacts.com/obamacare-facts.php.

Here are some of the most important facts that you may want to know about:

1. If you would have signed up for healthcare in 2014, actually by March 13th, you would not have been charged a penalty for signing up late.
2. Private insurance like CHIP or even Medicaid will not have an open enrollment date.
3. Each state will have its own healthcare market place.
4. No annual or lifetime limits on essential health benefits.

You might be wondering, “after buying health insurance while will I get my insurance
card”, or can health insurance like this cover an emergency room visit? These are all questions that can be answered by a gov health representative. If you continue reading you will find some very important contact information.

Open Enrollment

If you were interested in signing up for one of the many health plans at the health care gov site you should know that that the open enrollment period was between October 1, 2013 through March 31, 2014. Now, if you missed the open enrollment period you should know that you are still able to purchase health insurance through private health care companies but you will not be able to receive discounts or subsidies. However, you will not be penalized for going without insurance. You will be able to enroll for 2015 starting in November of 2014.

The Obamacare Health Plans Website

Those individuals, families or businesses that want to sign up for Obamacare will want to visit the HealthCare.gov website at https://www.healthcare.gov/. This will be the only place to look at the individual health care plans that are available through the Obama health care plan. This URL is also very helpful if you want to change health insurance or you want to learn about Obamacare exemptions.

Now, you may find that looking online for insurance can be complicated. That is because there are so many sites out there that want to offer you coverage. The true Obamacare website will look like the screen shot below. Knowing this will help to ensure that you are actually visiting the marketplace.

obama1

Obama Health Care Reform Contacts

Anyone that wants to use the gov health website may have questions. Therefore, it is always nice to know that you can seek assistance from professionals. Here is the contact information that you may need.

Individuals & Families

Call to start or finish an application, compare plans, enroll or ask a question.
1-800-318-2596
TTY: 1-855-889-4325
Available 24 hours a day, 7 days a week.

Small Businesses

Call with questions about businesses with 50 or fewer workers applying for coverage in the SHOP Marketplace. Agents and brokers helping small businesses may also use this number.
1-800-706-7893
TTY: 1-800-706-7915
Available Monday through Friday, 9 a.m. to 7 p.m. EST

Health Insurance Compare Plans

If you are ready for the Obama healthcare plan you should definitely review the plans that are available. Then you will be able to compare each of them to see which one is affordable for you and will meet your needs. Once you decide you can apply for Obamacare health insurance. Here is how you do that.

1. Go to at https://www.healthcare.gov/
2. Click on the learn tab at the top of the page
3. Select the topic Marketplace Overview
4. Scroll down and click on the link to see sample plans and prices
5. Answer the questions that follow in order to see what plans are available and what they may cost.
6. Select the tab that says see marketplace plans
7. Compare each to see what you want to purchase

Be aware of the fact that if you make a certain amount of money, and you have a certain
number of people in your household, you may be able to get a health insurance tax break. This can be used to help you pay for your health insurance.

Health Insurance Plans

Anyone that has taken the time to look at different articles health care companies have put out related to the Obamacare states, and the health in. policies that are available can tell you that there are three main plans to select from. It is always best to learn about each of them to determine which one may be the best fit for you and your family. Here is a chart to help you out.

Catastrophic
-Under 30 years
-Out of pocket limits
-No cost sharing

Bronze
-Co-pay 60%

Silver
-Co-pay 70%
Gold
-Co-pay 80%
Platinum
-Co-pay 90%

For each one you will have different co-payments and you will also have limits related to just how much you will pay out of pocket each year. It will be very important to look at all of this closely in order to really understand what you will be paying. You need to make sure that you can afford the plan you are selecting.

How to Apply

When you decide what plan you are interested in you will see that it is possible to enroll a few different ways.

obama2

If you look at this screen shot you will see that there are a number of ways you can apply. This will include by phone or online.

When you decide to apply online you will need to start by creating an account. In order to do this you must enter your name, email address, and create a password. Individuals will also be expected to create a few security questions and answers to protect their identity if they forget their password.

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