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Individual Marketplace

Questions answered

Under the Affordable Care Act, everyone will have health coverage, have an exemption, or make a shared responsibility payment in 2014. The Affordable Care Act exempts several categories of individuals from the shared responsibility payment, including members of recognized religious sects and individuals who cannot afford coverage.

The Affordable Care Act provides new options for coverage by expanding Medicaid eligibility to a greater number of low-income beneficiaries and creates a state-oriented system of Health Insurance Marketplaces through which individuals can purchase coverage.

The Affordable Care Act provides two programs to help individuals afford coverage through the Individual Marketplace: premium tax credits (which may be paid in advance) and cost-sharing reductions.

In addition, the Affordable Care Act includes several components that will allow agents and brokers to help consumers be determined eligible and enroll in coverage more efficiently, including:

  • A “no wrong door” system that allows for paper and online eligibility determinations or eligibility assessments for insurance affordability programs
  • A single, streamlined application that allows consumers to receive determinations for all programs they are eligible for without requiring additional application forms or multiple eligibility determinations. Applications may be filed online, in person, by mail, or by telephone

Next Topic: SHOP Small Business Marketplace

Agents and Brokers are required to be trained to assist consumers with the application and decision making process. Using an Agent to enroll in a ObamaCare Health Plan will be the primary choice of many americans. After all agents have the inside track on companies and their promptness to handle claims and pay benefits in atimely fashion.

Our Agents are available 7 days a week.

We offer a free consultation which entails speaking one on one with a knowledgable Agent that has been state licensed and trained to answer your questions.

Next Topic: Coverage Basics

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*ExploreObamacare.com is not affiliated with any government agency. All information provided is for informational purposes only and no guarantee of the accuracy is hereby implied. The information was the product of researching the Affordable Care Act Bill and is subject to change.
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