Do you want to know if you can get health insurance that isn’t part of Obamacare? Yes, it’s possible. But it’s not as easy as you believe.
There are very few non-Obamacare health plans available through the Marketplace health insurance. These plans are offered throughout the year. That means you can purchase them even if you did not enroll during an Open Enrollment Period or Special Enrollment Period. These programs are only available through brokers, agents, or directly from some health insurance companies. Some online health insurance providers also provide them.
Benefits and drawbacks of short-term health insurance
These programs, also known as short-term health plans, typically do not meet the health insurance standards mentioned in the ACA or Affordable Care Act. Also, they will not be readily accessible or displayed to you when you shop the Marketplace during Open Enrollment (due to their failure to meet these requirements), whether you shop through online health government portals or InsuranceShopping.com.
These plans are more affordable than some of the programs available through the ACA’s Marketplace, but they are less comprehensive. In contrast to ACA plans, these plans do not provide coverage for mental health or maternity care services. Prescription drugs, preventive care, and pre-existing conditions are typically not covered. Medical professionals advise individuals not to use short-term plans to replace standard health insurance as these plans don’t provide adequate health coverage and care.
Accessibility of Obamacare plans
It is important to note that Obamacare insurance can be cheaper, and you might be eligible for a premium subsidy. In 2019, most people who signed up for health plans through InsuranceShopping paid a $35 or less monthly insurance premium. Furthermore, one-fourth of all InsuranceShopping enrollees had $2.50 or less monthly premiums. Read our step-by-step guide to enlisting in the Marketplace health plan here to begin your enrollment process.
You can shop for Marketplace plans, check your eligibility for Obamacare subsidies, and compare premiums here. You can also contact the InsuranceShopping service agents at +1 855-913-1570 for assistance in finding the most affordable health plan in line with your budget and requirements.