HEALTH INSURANCE

MARKETPALACE
NON-MARKETPLACE
HEALTH QUOTE FORM

Marketplace plans

Recommended for people with a major health issue or qualify for a substantial savings based on income. 

Marketplace plans are the first category of individual health insurance. These plans are compliant with the Affordable Care Act and cover any current or past medical issues. These plans also include free wellness care, and are usually HMO plans.

These plans are recommended for people who qualify for a substantial savings based on their income, or for someone with a major health issue that must be covered immediately when the coverage begins.

The price of these plans literally changes depending on your income. If your income is below the threshold listed below, you will receive a discount on your health insurance, known as a subsidy. The higher the income, the lower the subsidy.

Once your income reaches the threshold below, you will not qualify for a discounted Marketplace price.

Here are the approximate income limits beyond which you will not qualify for a discounted Marketplace price:

Individual – the cutoff is close to $51,000

Family of two – the cutoff is $68,000

Family of three – $86,000

Family of four – $104,000

Family of five – $122,000

Family of six – $140,000

Family of seven – $158,000

Family of eight – $176,000

Family of nine – $194,000

Marketplace plans

Recommended for people with a major health issue or qualify for a substantial savings based on income. 

Marketplace plans are the first category of individual health insurance. These plans are compliant with the Affordable Care Act and cover any current or past medical issues. These plans also include free wellness care, and are usually HMO plans.

These plans are recommended for people who qualify for a substantial savings based on their income, or for someone with a major health issue that must be covered immediately when the coverage begins.

The price of these plans literally changes depending on your income. If your income is below the threshold listed below, you will receive a discount on your health insurance, known as a subsidy. The higher the income, the lower the subsidy.

Once your income reaches the threshold below, you will not qualify for a discounted Marketplace price.

Here are the approximate income limits beyond which you will not qualify for a discounted Marketplace price:

Individual – the cutoff is close to $51,000

Family of two – the cutoff is $68,000

Family of three – $86,000

Family of four – $104,000

Family of five – $122,000

Family of six – $140,000

Family of seven – $158,000

Family of eight – $176,000

Family of nine – $194,000

Non-Marketplace

The Non-Marketplace plans are recommended for people who are in good health and do not qualify for much of a Marketplace discount. Plans average just $300 – $600 per month for an entire household and include full medical insurance, urgent care copays, dental, vision, and GAP insurance to cover your deductible.

Non-Marketplace plans are the second category of individual health insurance.

If you are in good health, the main purpose for health insurance is to protect your assets and give you access to care. If something unexpected comes along, it’s easy to run up a hospital bill that is well into the hundreds of thousands of dollars…or even higher. This is the main purpose of insurance – it protects your assets and gives you access to care.

The United Healthcare plans average just $300 – $600 per month for the entire family (much less for an individual) and includes an out of pocket maximum beyond which the plan pays 100%, $75 Urgent Care Copay, dental, vision, and GAP insurance to cover your deductible.

Why pay an extra $1,000 – $3,000 per month for a Marketplace plan that adds office visits and annual checks ups? In most instances, you are better off saving $10,000 – $25,000 in annual insurance premium and simply paying for your annual check-ups out of pocket. Call your doctor and find out what the cash rate is for annual check-up.

The cash rate for check-ups or office visits is simply not enough money to warrant spending tens of thousands of dollars each year for health insurance!

It’s also important to keep in mind that office visit copays on all Marketplace Plans do NOT have anything included. X-rays, lab work, CAT Scans, MRI’s strep tests, or virtually anything else go towards your deductible. Even if you simply have a small mole removed at the dermatologist it is not included in the office visit copay and will count towards your deductible.

You will come out WAY ahead by pocketing all of the extra money and paying for your office visits and check-ups.

Non-Marketplace

The Non-Marketplace plans are recommended for people who are in good health and do not qualify for much of a Marketplace discount. Plans average just $300 – $600 per month for an entire household and include full medical insurance, urgent care copays, dental, vision, and GAP insurance to cover your deductible.

Non-Marketplace plans are the second category of individual health insurance.

If you are in good health, the main purpose for health insurance is to protect your assets and give you access to care. If something unexpected comes along, it’s easy to run up a hospital bill that is well into the hundreds of thousands of dollars…or even higher. This is the main purpose of insurance – it protects your assets and gives you access to care.

The United Healthcare plans average just $300 – $600 per month for the entire family (much less for an individual) and includes an out of pocket maximum beyond which the plan pays 100%, $75 Urgent Care Copay, dental, vision, and GAP insurance to cover your deductible.

Why pay $1,000 – $3,000 a month for health insurance? In most instances, you are better off saving $10,000 – $25,000 and paying for your annual check-ups out of pocket. Call your doctor and find out what the cash rate is for annual check-up.

Why pay an extra $1,000 – $3,000 per month for a Marketplace plan that adds office visits and annual checks ups? In most instances, you are better off saving $10,000 – $25,000 in annual insurance premium and simply paying for your annual check-ups out of pocket. Call your doctor and find out what the cash rate is for annual check-up.

The cash rate for check-ups or office visits is simply not enough money to warrant spending tens of thousands of dollars each year for health insurance!

It’s also important to keep in mind that office visit copays on all Marketplace Plans do NOT have anything included. X-rays, lab work, CAT Scans, MRI’s strep tests, or virtually anything else go towards your deductible. Even if you simply have a small mole removed at the dermatologist it is not included in the office visit copay and will count towards your deductible.

You will come out WAY ahead by pocketing all of the extra money and paying for your office visits and check-ups.

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Insurance Depot is a family business started in 1970. We specialize in finding the best plan at the lowest rate to fit your needs and budget. When you become a client of Insurance Depot, you have made a friend for life. You can reach out to us anytime, day or night. We are always available after the sale to take care of all your insurance needs

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Any information shared on this website is considered protected health information, referred to as PHI.  As health insurance agents, we are bound by the Health Insurance Portability and Accountability Act, commonly known as HIPPA.  This prohibits us by law to disclose or disseminate any personal information or PHI collected to quote, sell, or provide ongoing service to your policy.  All of our licensing information is available on the “About Us” page. 

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