Affordable Health Insurance Plans
Get A Custom Quote For Individual & Family Plans
We connect individuals with insurance providers and other affiliates to give you, the consumer, an opportunity to get information about insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a partner that can connect you to an appropriate licensed insurance agent who can answer your questions and discuss plan options.
Our content is free because we may earn a commission when you click or make a purchase using our site.
At HealthInsurancely.com, we take transparency seriously
To that end, you should know that many advertisers pay us a referral fee if you purchase products after clicking links or calling phone numbers on our website.
We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.
For example, when company ranking is subjective (meaning two companies are very close) our advertising partners may be ranked higher. If you have any specific questions while considering which product or service you may buy, feel free to reach out to us anytime.
If you choose to click or use the phone numbers listed on our site we will be compensated.
What is the Health Insurance Marketplace?
Marketplace health insurance in the US is also referred to as health exchanges or simply the Marketplace. The Marketplace refers to the organizations that are mandated by the United States to provide health insurance to citizens. Individuals can purchase specific health insurance that are in compliant with the corresponding Patient Protection and Affordable Care Act (ACA). ACA is popularly known as Obamacare.
What is Marketplace Health Insurance Coverage?
It is important to note that the exchanges by themselves are not the insurers themselves. By implication, they therefore not bear the risks involved with health insurance. The main role for marketplace health insurance coverage is to determine what best insurance companies should participate in the exchange. An ideal exchange is mandated to promote the integrity and transparency of the insurance. This, in turn leads to increased enrollment in the various plans thus helping to spread the risk.
It is important to understand that insurance companies must prove reliability and legitimacy in order to be placed on the marketplace exchange, for both federal and state. There is a certain level of a selection process that reviews factors such as: customer satisfaction, BBB (Better Business Bureau), financial solvency, to name a few. For larger insurance companies like Blue Shield or Aetna, the process is far simpler because it is based on reputation and brand longevity alone. However, for smaller companies that work within strict regional or specialized platforms are usually put through a far more stringent process.
The Affordable Care Act (ACA)
There are two divisions – a state level health marketplace, and a federal level health marketplace. 37 states are members of the federal exchange, and 14 are limited to a state exchange. Unfortunately, not all insurance companies are required to provide information about their plans and prices to the Healthcare Marketplace, so be prepared to do some local searching for affordable plans in your area.
The Healthcare Marketplace may also be referred to as the Health Insurance Marketplace. It is a website managed by the federal government. When you visit, you can enter a few personal details about yourself and start shopping for plans in a matter of minutes.
- Affordable Care Act established the Healthcare Marketplace
- Two divisions of the health marketplace.
- First division is the State Level Marketplace offered by 37 states
- Second division is the federal level health marketplace
- Healthcare Marketplace is also referred to as Obamacare
Why Health Insurancely?
We assist in the confusing world of health insurance. Our services connects you with one of our partner insurance agents who will help determine your subsidy eligibility and provide you with quotes for private or state and federal exchange health insurance plans. These plans meet federal standards under the Affordable Care Act (ACA). Alternatively these partner insurance agents can offer short term medical plans, limited indemnity plans, and Christian health sharing plans… and many more!
Please note, that not everyone will qualify for a federal or state subsidy, or an Obamacare plan. Our site and partner agents are here to provide information & help in choosing the right plan for you.