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Marketplace plans, also known as Affordable Care Act (ACA)/”Obamacare”, provide coverage for all pre-existing conditions from day 1, without yearly limits on certain essential health benefits. If you qualify for low-income government subsidies or have pre-existing conditions that require medical care or prescriptions a marketplace plan may be a good option.
Private plans are an affordable option for people who don’t need coverage for maternity, mental health, substance abuse, or pre-existing conditions. Private plans typically offer more affordable rates and broader networks than marketplace plans - giving you more options at a lower cost.
HPCBenefits is a service where Americans can learn about and apply for benefits on the phone. This includes free or very low cost health insurance (Affordable Care Act) and senior programs (Medicare).
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Disclaimer: We are not affiliated or endorsed by any government entity. CMS has not reviewed or approved this information. This is not a complete description of benefits, visit healthcare.gov for a full list of plans and benefits available. Benefits may be limited to specific plans and regions. There is no obligation to enroll. Not all plans or benefits available in all areas. Not all callers will qualify for the stated benefit* The estimated dollar amounts represents the potential subsidy available through the ACA tax credit. Actual subsidy amounts may vary based on individual eligibility criteria. The ACA tax credit can be utilized as a subsidy directly paid to the insurance carrier to assist in premium payments. Please consult with a qualified tax advisor or insurance agent for personalized guidance regarding your eligibility and subsidy amount. HealthPlansCovered marketing services provided by Jonathan G. Vogel LeadWell Media LLC. We do not offer every plan available in your area. Currently, we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. This is a solicitation for insurance. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations, exclusions, copays, deductibles, and coinsurance may apply. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction varies. Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply. *Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply. plans are an affordable option for people who don’t need coverage for maternity, mental health, substance abuse, or pre-existing conditions.
