ObamaCare

HEALTH INSURANCE

This page is intended to provide detailed information about the various coverage offered by Obamacare companies, including their benefits, types of coverage, requirements and how to access them.

Obamacare Companies

Click on your company to find revealing information and important linkson how to use your health coverage, regardless of the company you have chosen.

Types of ObamaCare Coverage

Health insurance plans offered through the Health Insurance Marketplace, including those under Obamacare, are classified into categories based on the level of coverage. These categories are Bronze, Silver, Gold and PlatinumThese categories, Bronze, Silver, Gold and Platinum, indicate what portion of the cost of medical care the plan will cover on average. Here I explain the characteristics and general coverages of each type.

Bronze

  • Cost: Lower monthly premiums, but higher cost-sharing (such as copayments and deductibles).
  • Coverage: Covers approximately 60% of an average person’s estimated total health care costs.
  • Ideal for: Individuals who do not anticipate using many medical services and prefer to pay lower monthly premiums.

Silver

  • Cost: Moderate monthly premiums and medium cost-sharing (between Bronze and Gold).
  • Coverage: Covers approximately 70% of the average person’s estimated total health care costs.
  • Ideal for: Individuals seeking a balance between monthly costs and cost-sharing, and who anticipate using medical services on a regular basis.

Gold

  • Cost: Has higher monthly premiums, but lower cost-sharing compared to Bronze and Silver.
  • Coverage: Covers approximately 80% of the average person’s estimated total health care costs.
  • Ideal for: Individuals who use medical services regularly and prefer to pay higher premiums in exchange for lower cost-sharing.

Platinum

  • Cost: Has the highest monthly premiums, but the cost-sharing is the lowest of all levels.
  • Coverage: Covers approximately 90% of the average person’s estimated total health care costs.
  • Ideal for: Individuals who anticipate using many medical services and prefer to have higher monthly premiums in exchange for minimal cost-sharing.

It is important to note that these are general averages and specific details may vary by plan and insurance provider. When evaluating your options, it is crucial to review the details of each plan, including deductibles, copayments, coinsurance, benefit limits and network providers to make the best decision for your health care needs and budget.

Who is eligible for ObamaCare

  • Immigrants in the process of obtaining immigration status.
  • Individual in nonimmigrant status, including work visas (such as H1, H-2A, H-2B), student visas, U visa, T visa and other visas.
  • Newly arrived Cuban/Haitian immigrant ( Parole, I – 220A )
  • Temporary Protected Status (TPS)
  • Deferred Action Status (Exception: Deferred Action for Childhood Arrivals (DACA) is not an eligible immigration status to apply for health insurance)
  • Political asylum status.
  • Refugee Status.
  • Work Permit
  • Legal permanent resident.
  • American Citizen.

what are the benefits of obamacare?

  • Regular medical consultations: Includes visits to primary care physicians and specialists.
  • Hospital Services: Covers costs associated with hospitalization, surgeries and other medical procedures in the hospital.
  • Emergency care: Includes emergency medical services, such as emergency treatment and intensive care.
  • Maternity and Newborn Care: Provides coverage for prenatal care, childbirth and newborn care services.
  • Prescription Drugs: Provides benefits for prescription drugs needed according to plan guidelines.
  • Mental health and substance abuse care: Includes mental health services, substance abuse treatment and behavioral therapy.
  • Pediatric care: Covers health care services for children, including regular checkups, immunizations and treatments.
  • Preventive care: Includes screening, immunizations and preventive services for chronic diseases.

what data do i need to apply

  • Personal Information:
    • Full name.
    • Date of birth.
    • Current address.
    • Contact telephone numbers.
    • E-mail address
  • Citizenship or Immigration Eligibility Information:
    • Citizenship status or immigration status.
    • Social Security Number (for citizens and permanent residents).
  • Income and Employment:
    • Current employment information (if applicable).
    • Estimated gross income for the current year (to determine eligibility for grants or financial assistance).
  • Household Member Information:
    • List of all household members who will be covered by the plan.
    • Relationship to principal applicant (spouse, dependent children, etc.).
  • Current Insurance Coverage Information:
    • Details of any other current health insurance (if applicable).
  • Tax Information:
    • Tax return number or financial details relevant to determining eligibility for subsidies or tax credits.
  • Supporting Documents (as needed):
    • Citizenship or permanent residency documents (if applicable).
    • Proof of income (such as pay stubs, tax returns, etc.).
    • Information about any other health insurance the applicant or household members have.

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