Health Insurance is designed to share your medical costs with you in the form of Deductibles, Copayments and Coinsurance included in your policy.
What limits your cost-sharing responsibility is called the Out-of-Pocket Maximum. Once you meet your Out-of-Pocket Maximum, your Health Insurance plan will pay 100% of your health care costs, with some exceptions.
All Health Insurance plans, whether they are a part of the Healthcare Marketplace Insurance exchange or off-exchange, must cover the 10 essential benefits. Plans must meet basic "affordability standards", as well as other regulations that differ on a state-by-state basis to be considered qualifying health coverage.
Find the Best Health Insurance Plan for You
Finding a Health Insurance plan that accommodates your needs doesn’t have to be confusing or difficult if you have the expert guidance of a licensed Health & Life agent on your side.
When shopping for affordable health care coverage, it’s important for you to know what makes a Health Insurance plan suitable for you.
Should You Buy Health Insurance?
EVERYONE needs Health Insurance. Medical bills are a leading cause of consumers' financial problems such as bankruptcy and home foreclosures.
Overall, healthcare costs are anticipated to rise to buy an average of 5.5% percent year over year over the next decade.
The reality is medical care and expenses could significantly accumulate, to the extent that it could become impossible to cover out of pocket costs.
When Can I Buy Health Insurance?
Health Insurance plans can only be purchased during the Open Enrollment Period (OEP) or out of the designated OEP if you qualify for a Special Enrollment Period (SEP).
Whether you are looking for a plan in the Healthcare Marketplace or off-exchange, the rules are the same.
Open Enrollment Period
Open Enrollment runs from Sunday, November 1 through Tuesday, December 15, 2020.
Coverage begins on January 1, 2021.
If you don't enroll in a plan by December 15, you can't get 2021 coverage unless you qualify for a Special Enrollment Period.
Special Enrollment Period
Begins with a qualifying event that makes you eligible to enroll in a Health Insurance plan (ie. losing group insurance, getting married and having a baby)
If you've lost coverage due to a lack of payment you are not eligible to enroll using a SEP.
To check if you qualify for a Special Enrollment Period, call Pro Insurance Consultants and speak to a licensed agent.
Great Customer Service
“My Agent was wonderful and helped me find the best coverage for my family. She really knew her products and helped us find health, vision & dental that covered all our needs.״
Quick and Easy
“It was truly quick and easy. With just one call I was able to get through and make changes to our policy since I got married. I had no idea it was even possible to do that. Very knowledgeable agents, would highly recommend.״
“I was trying to navigate the online marketplace and register during open enrollment myself, but found that I needed some extra help, Pro Insurance Consultants helped guide me through the process, they were very helpful. Would recommend them highly to everyone.״