Almost anyone can qualify for Obamacare! If your monthly income is equal to, and up to four times, the national poverty line, you qualify for subsidies.

You are NOT eligible for coverage if:
• You are not lawfully in the United States
• You are incarcerated
• You are currently covered by Medicare

A pre-existing condition is most commonly defined as a condition you had prior to enrolling in health coverage—known or unknown.

For example, someone may enroll for health insurance, fully aware they have epilepsy. On the other hand, another person may enroll for insurance months before they become aware of an existing tumor. Both are considered pre-existing conditions.

You can set up an HSA at your bank or credit union. If your employer provides health insurance, they may offer a health savings account. While working with one of our team members, you’ll receive all the recommendations you need for starting an HSA.

A high deductible health plan allows you to pay a lower monthly premium but requires a higher deductible before your insurance provider begins paying.

Coinsurance requires you to pay a percentage of medical costs on top of your deductible. Typically, the lower your premium payments, the higher percentage you will be responsible for paying.

Example: Let’s say you have a $10,000 hospital bill with a $2,000 deductible and your coinsurance is 20%. You pay the $2,000 deductible, which brings the remaining amount payable to $8,000. Then, you will pay 20% of the remaining $8,000, which is $1,600. This would bring your total out-of-pocket payment to $3,600.