Marketplace Open Enrollment 2023 Starts NOW - Get your health insurance!
Рет қаралды 41,251
Күн бұрынMarketplace Open Enrollment 2023 Starts NOW - Get your health insurance! - If you are currently self employed or unemployed, you may be interested in pursuing a Marketplace Insurance Plan.
Call us today at iHealthBrokers at 888-410-0344. Our services are 100% FREE!
★☆★ABOUT THIS VIDEO★☆★
0:00 Intro
0:37 Essential Benefits
1:40 Metal Tiers
2:57 HMO, EPO, & PPO
3:44 Premium Tax Credits
5:27 2023 Marketplace Plans
22:32 Open Enrollment 2023
Marketplace insurance is part of the Affordable Care Act (ACA) sometimes known as Obamacare. It was designed as a way to offer comprehensive health care at affordable rates. Marketplace insurance is a great way to purchase coverage if you are self-employed or unemployed. One of the central conceits of the Affordable Care Act is that all health insurance plans must offer essential benefits. You can find a full list of essential benefits here: www.healthcare.gov/coverage/p...
You are able to enroll in Marketplace Insurance every year during the annual open enrollment period. The Open Enrollment Period is November 1st- January 15th. Coverage begins on January 1st. You may also qualify for a Special Enrollment Period if you’ve undergone certain life events. Dependent upon your Special Enrollment Period type, you may have 60 days before or 60 days after the event to enroll in a plan. If you miss your Special Enrollment Period window, you may have to wait until the next Open Enrollment Period to apply.
There are multiple ways in which you can enroll. You can:
Use an Agent
Use a Broker
Call Healthcare.gov
Use the Healthchare.gov website
First, you may call an agent. An agent is a representative of a particular carrier (insurance company). An agent will only present you with their company’s available plan. You will not receive any type of special discount or avoid fees by working directly with an agent.
You may also call a broker. A broker works for you not the insurance company. They will help you compare multiple plans offered by multiple carriers. You will not be charged any type of additional fee by working with a broker. This is why working with a broker is our number one recommendation. If you’d like assistance, you can reach us at iHealthBrokers at 888-410-0344.
Next, you may call Healthcare.gov directly. A call center representative can describe all available plans, help you compare them by price and features, and finish your enrollment by phone. Call 1-800-318-2596 (TTY: 1-855-889-4325).
Finally, you may use the website: healthcare.gov
If you've had insurance through your employer in the past, insurance through the Marketplace may come with a bit of sticker shock. As with any insurance plan, there are monthly premiums, out of pocket deductibles to meet and copays or coinsurance. It’s important to have a good idea of exactly what your needs are upfront so that you can pick a plan accordingly. Choosing the right plan is one way of saving money on the Marketplace.
Additionally, there are tax credits available dependent upon your income level. In order to qualify, your income must be between 100%-400% of the federal poverty guide for your household size. You may be able to lower your taxable income by contributing to a Health Savings Account (HSA). Healthcare.gov will ask you to estimate your income for the upcoming year and will price your plans accordingly. Should you make more than your estimate, you may be required to pay these tax credits back when you file.
Finally, the easiest way to save money on your health insurance is to work with a licensed broker. They will listen to your needs and find you the best possible plan at the lowest possible rate. If you have any questions or concerns, please feel free to give us a call at (888) 918-0518 or schedule a call today.
Give us a call at (888) 410-0344 or visit us online at ihealthbrokers.com/
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Give us a call or leave a comment below and we'll do our best to help! Make sure to "Like" and "Subscribe" today!
@jeffreym3233 Жыл бұрын
So we’ll explained! Thanks for helping us!
@iHealthBrokers Жыл бұрын
So glad the video was helpful! Thanks for your comment!
@mitzkitty Жыл бұрын
Wow, this video is GOLD! God bless you for posting this!
@iHealthBrokers Жыл бұрын
So glad to help!
@chrisforker7487 Жыл бұрын
Excellent video, thank you very much!
@iHealthBrokers Жыл бұрын
You are very welcome, Chris. Thanks for the feedback!
@aztecforlife7360 Жыл бұрын
This video is so helpful. Thank you!
@iHealthBrokers Жыл бұрын
So glad to be of help! Best of luck!
@mail06513 Жыл бұрын
Extremely helpful. Thank you!
@iHealthBrokers Жыл бұрын
Thank you for your kind words! Glad to be of help.
@dannystiasny3891 Жыл бұрын
thank for your help
@iHealthBrokers Жыл бұрын
You are very welcome!
@PraveenSrJ01 10 ай бұрын
Found this video really helpful! Thank you so much 😊
@iHealthBrokers 10 ай бұрын
Thank you! Let us know if you have any questions!
@PraveenSrJ01 10 ай бұрын
@@iHealthBrokers thank you for your reply. Really appreciate it
@AnilReddy-tpt Жыл бұрын
Thank you
@iHealthBrokers Жыл бұрын
You are very welcome!
@tirainesway4147 6 ай бұрын
Be careful. I was enrolled. Stopped paying be cause in past years rhey didn't automatically enrolled you. Thought I could do the same. The government kept paying for me without my knowing.Theydid not reach out to me .Long story .Now I owe thousands of dollars back to the irs. I don't want the same for you. You have to stay on it if you stop it. Call every year to make sure they didn't auto sign you up! Stay blessed ❤
@travismaxwell9805 7 ай бұрын
People should have to watch this video to be eligible for coverage.
@iHealthBrokers 7 ай бұрын
Thank you for your kind words!
@cameronbarakat1635 Жыл бұрын
Whoever you have answering your phone is extremely rude. Told me first available. Appointment is a week away. Said that I was still interested in setting the appointment but I am in a hurry so I would be shopping around. She told me that she would not waste her time booking me.
@iHealthBrokers Жыл бұрын
I am so sorry that you did not have a good experience. We have excellent reviews for our customer service.
@mx5reddwarf Жыл бұрын
Will look for other informative vids, but what needs much explaining is how the income calculation works! Wouldn't that be the key to the amount of the credit for which you would qualify? Important and explanation would be most helpful!
@iHealthBrokers Жыл бұрын
We do actually have a video about MAGI: kzfaq.info/get/bejne/fKyVp7efqLzFpXU.html In all honesty, for most people it is VERY similar (if not identical) to your AGI which is basically what you would submit when you file your taxes.
@ItsAlwaysSkorpioSzn Жыл бұрын
Can you explain "in network tier 1" & "in network tier 2"? What makes a provider or prescription tier 1 or 2? I don't see that info when I search for doctor's and meds. Love the channel!
@iHealthBrokers Жыл бұрын
Oh, that is a hard one because it really is up to the plan. A drug might be "tier 1" for one plan and "tier 2" for another. In network means covered. So, if you were to look on your plan's dug formulary, you should see the drug listed. Make sure to to get your prescriptions filled at an in network pharmacy! Tier 1 drugs will be less expensive than tier 2 drugs. These will usually be the generic versions, so always make sure to ask for a generic if available.Thank you for your question!
@carlexus3133 9 ай бұрын
That's a lot to go through. especially the tax/cash info.
@iHealthBrokers 3 ай бұрын
It can definitely be overwhelming!
@corinmaness8498 Жыл бұрын
Thank you for the information! Question for you: once you hit your out-of-pocket maximum, do you continue paying the monthly premium for the rest of the year?
@iHealthBrokers Жыл бұрын
You still need to pay for monthly premiums to keep your insurance active BUT you wouldn't have copays/coinsurance for covered in network services. Great question!
@KatieRomrell Жыл бұрын
Thank you so much for this info! This clarified so many things for me :) I'm needing to enroll for 2023, and I love the thought of having a broker help me through this, but I admit that I get a little nervous when I don't know where services are getting money from. If I don't need to pay to use your services, who does pay for the service? Is there a point at which I would have to start paying money? Thanks for whatever info you can provide!!
@iHealthBrokers Жыл бұрын
Completely understandable. Regardless of whether you enroll in a plan with a broker, an agent, or healthcare.gov, your premium remains exactly the same. There is a commission that is already included in your premium. That will either be paid to the insurance carrier or a broker based on how you enroll. However, regardless of your method of enrollment, your premium will not increase or decrease. It remains exactly the same. That being said, ***some brokers charge an additional fee for their services. We do not. Regardless of who you choose, please make sure to do your research and read the company's reviews to ensure you are receiving 5 star service! Best of luck and thank you for your question!
@makotonarukami7468 Жыл бұрын
I'm still confused, I am a single male in his 30's who makes about $11,000-$15,000 a year....and I saw these numbers on my Estimated Monthly Premium for plan selection and there are in the $300+ range....and I am questioning "Do I pay that $300 a month?" but I make sooooo little money....I thought Healthcare.gov was suppose to help me get very close to free healthcare? Like...$20-50 per visit, and that's that...and if I get a prescription, I pay for it. I still don't understand....I am not going to pay $300 every month for health insurrane. I pay $500 for rent, and if I end up paying $300 for health care a month....that leaves me with $100-$250 a month to spend on food, and the meds that I will get....how the heck do I save money? Minus my phone bill.....$100-$190 a month that leave me for food...wait...the bus....that leaves me about $50-$75 for food....this makes no sense....I never was on food stamps....do they want me on food stamps? I can't believe what I am seeing.....Health Insurrance is a big scam if you make very little income....it's stuff like this that make people do bad things in life to catch a break...holy crap.
@iHealthBrokers Жыл бұрын
@@makotonarukami7468 That seems high based on your income. You should definitely qualify for a better premium tax credit. If you have questions or need help, please feel free to give us a call at 888-410-0344. Something seems amiss and we'd like to try to help.
@nosolar2023 Жыл бұрын
The insurance companies pay the brokers or agents a commission. This does not affect your premium
@iHealthBrokers Жыл бұрын
@@nosolar2023 Exactly so!
@LeoSS570 Жыл бұрын
Thank you for sharing this information. I have a question regarding purchasing insurance for myself and my spouse in Texas through the Marketplace. I estimated our annual income to be between 25-30 K, which might qualify us for a large rebate. However, I am wondering what will occur if our income ends up being below the minimum threshold required to qualify for the ACA rebate, such as under 15 K by the end of the year. Thanks
@iHealthBrokers Жыл бұрын
That is a great question. Right now many plans are available with no monthly premium due to the large premium tax credits available. If your overestimate, you may end up with a larger refund when you file your taxes. If you have an accountant you regularly work with, they may able to give you more specific guidance.
@htown148 Жыл бұрын
They don't care
@shahnazjan6052 Жыл бұрын
Last year we had Florida blue. This year we have silver plans ambetter. Can you explain some of the benefits of this plan for me please? How much out of pocket for regular dr visits, emergency room, specialist services. Thank you
@Letmetellu4842 Жыл бұрын
Ambetter sucks I hear. I’m looking to change
@Camelotsmoon Жыл бұрын
How did you get a $0 a month premium? I put in that I'm 30, in Florida and I don't have any income and the cheapest that comes up is $188.. I'm unemployed and I need therapy. Why does this have to be so damn confusing, I don't get it. Is it because I'm single with no dependants? The last time it didn't matter. Like 3 years ago my maximum premium was $30 for BCBS when I was in this situation. Just throw all this away and have medicare for all, the healthcare in this country is a complete mess and isn't even made for actually providing healthcare.
@LynxStarAuto Жыл бұрын
Step 1 get a job... Step 2 pay some taxes... Step 3 reap the fruits of your labor.
@Camelotsmoon Жыл бұрын
@@LynxStarAuto .uoy llik emoc lliw I ?uoy era erehw
@iHealthBrokers Жыл бұрын
In the example in the video, I did put in dependents. Your premium tax credits is determined by your income and household size. So, while that could be a factor, if your income is $0, it seems odd that your least expensive plan is $188. Unfortunately, I can't really answer the question without seeing what's happening on your end...Could you please give us a call at 888-410-0344 or email us at support@ihealthbrokers.com? We will try to help you get to the bottom of this!
@Camelotsmoon Жыл бұрын
@@iHealthBrokers I ended up finding a solution, I appreciate the reply. Seeing as I live in Florida where Medicaid was never expanded, I don't qualify for Medicaid and I only qualify for marketplace if I make just above poverty level (which is $13,900)... I just have to lie on marketplace to get any credit because making nothing-$13,899 yearly isn't enough... All I wanted was to see a psychologist to help me put my life back together and everyone has to make this difficult it seems.
@iHealthBrokers Жыл бұрын
@@Camelotsmoon Glad you were able to find a solution. Best of luck to you!
@alexmarenco1274 Жыл бұрын
Any opinions on Blue shield vs Kaiser P Silver HMO's,I qualified for CSR.I live in CA.
@iHealthBrokers Жыл бұрын
Hi Alex. I wish I could give you a definite answer, but there just isn't one without knowing more information. If depends on the county in which you live, doctors you see, medications you take, etc... There are definitely many plans that are "better" plans than others, but you have to take your specific needs and circumstances into consideration. If you'd like, you can call us at 888-410-0344 or email at support@ihealthbrokers.com. If you can answer a few short questions (that we'd rather not ask in this public KZfaq forum!) we can point you in the right direction!
@shahnazjan6052 Жыл бұрын
Ca is a great place to live. I know everything is very expensive but having medical is the best. I wish I didn’t move to this stupid high insurance place (Florida)😢
@purplemoose6431 Жыл бұрын
Can you explain what money is considered income as it relates to qualifying for these plans ? i.e. social security, ira withdrawals , or is it only income derived from employment ?
@iHealthBrokers Жыл бұрын
Social security and IRA withdrawals would count towards your MAGI. It is not only income derived from employment. For example, rental and investment income also counts towards your MAGI. You can learn more here: www.healthcare.gov/income-and-household-information/income/ Thanks for your question!
@purplemoose6431 Жыл бұрын
@@iHealthBrokers ty
@iHealthBrokers Жыл бұрын
@@purplemoose6431 You're very welcome! Best of luck!
@jackies_awesome3936 Жыл бұрын
Thank you for the information. Maybe you can help me find the best solution to my case. I live in California, I am currently 6 month pregnant and have no health insurance. My husband and daughters are covered through my husbands job. I work part time and I would like to get Kaiser. How do i get health insurance if my situation doesnt fall under "life event" and open enrollment is closed? Ps. Also the max a month we could possibly do is $300. What would be my best option?
@iHealthBrokers Жыл бұрын
This is a difficult case. Is there any chance you might qualify for Medicaid? If there is any chance, you may want to apply. If you are denied, you may be eligible for a special enrollment period for a marketplace plan. Check out this article: www.healthcare.gov/medicaid-chip/transfer-to-marketplace/ Please feel free to call us with any questions 888-410-0344
@jackies_awesome3936 Жыл бұрын
@iHealthBrokers thank you for your help! 😊 I'll definitely check that out.
@iHealthBrokers Жыл бұрын
@@jackies_awesome3936 Best of luck!
@jhoanadiaz8960 Жыл бұрын
Hello, I would like to know when the deadline for marketplaces insurance is? Thanks in advance.
@teelowe29 Жыл бұрын
Tomorrow
@iHealthBrokers Жыл бұрын
It is January 15th in most states.
@Khanlala75013 Жыл бұрын
My wife is a stay at home mom, while I work and get insurance through my employer. Can she still apply and get subsidy tax credits?
@iHealthBrokers Жыл бұрын
That is a great question! Until recently, the answer would have been no due to the "family glitch". However, this has recently been fixed! Check out this video to learn more: kzfaq.info/get/bejne/f5x5mqaUnrTeg30.html
@yenifergomez94 8 ай бұрын
The number on the premium let’s say 392 is that for 1 person or is that price for everyone on the family plan? If it’s one per person for the family would you be paying almost 1200 per month?
@iHealthBrokers 8 ай бұрын
The price should be reflective of the information you put in. For example, if you entered information for just yourself, you would see the premium for one person based on the info you provided. If you entered information for a full household, the premium you would be see would be the premium for the whole family (family plan) for the month. Thanks for your question!
@RNCrisTG Жыл бұрын
Will there be problems if you apply for marketplace insurance even though your company offers a health insurance which is way more expensive than the marketplace plan?
@iHealthBrokers Жыл бұрын
That is a great question. So under the ACA, if you have insurance that is deemed "affordable" then you would not be eligible for premium tax credits on the marketplace. In 2023, a job-based health plan is considered "affordable" if your share of the monthly premium in the lowest-cost plan offered by the employer is less than 9.12% of your household income. You can learn more here: www.healthcare.gov/glossary/affordable-coverage/ Now, that is just for an individual. many people fall into the "family glitch". Steps have been taken to address this, but it is far from perfect. We have a video about here: kzfaq.info/get/bejne/f5x5mqaUnrTeg30.html
@biggfoot52 Жыл бұрын
Help, here is my situation, household of 2, only 1 income, current employer sponsored insurance =800 per month with both in household. How can I remove one person from company insurance that will reduce monthly to 160 and get separate insurance for other household member.
@iHealthBrokers Жыл бұрын
Hi Brian. I just saw your other message. So sorry you find yourself in this predicament. Here is my other message: Sounds like you are one of the many people who has fallen victim to the "family glitch". You can check out our video with updates on the recent "fixes" to learn more: kzfaq.info/get/bejne/f5x5mqaUnrTeg30.html. That being said, you would likely need to wait until the next enrollment period with your company to make changes. Try speaking to your HR department to find out when you can make those changes. At that time, you should be able to enroll your spouse in a marketplace plan through a SEP.
@AnnSchneider-hg9rq 9 ай бұрын
Will these subsidies have to be payed back 1
@iHealthBrokers 9 ай бұрын
Only if you end up making more than anticipated and become ineligible for the tax credit!
@pbabski1144 Жыл бұрын
Why do people who qualify for tax credits have to take a silver plan? What will happen if I go for bronze due to a lower premium?
@iHealthBrokers Жыл бұрын
You absolutely do not HAVE to take the silver plan. There are just additional cost incentives offered if you do. If a bronze plan works better for your needs, you are still able to choose a bronze plan and your premium tax credits will still be applied. Thanks for your question!
@edwardreichard3852 11 ай бұрын
My daughter is 12 months pregnant, and needs health insurance what I her best option?
@iHealthBrokers 11 ай бұрын
Unfortunately in most states being pregnant does not qualify you for a special enrollment period (although having a baby does). Marketplace enrollment is around the corner, but her coverage still would not be active until January. Short term medical plans also do not cover pregnancy. Her best options would be pregnancy medicaid offered in some states or employer group health insurance.
@mfairley100ify Жыл бұрын
All the healthcare plans on the marketplace is useless. They are offering the worst insurance and medication cost, specialist, pcp and urgent care co pay have went sky high.
@iHealthBrokers Жыл бұрын
So sorry that you haven't been able to find a good plan. It can definitely be challenging. Have you thought about short term medical plans instead? If you are ineligible for premium tax credits, you may want to look into STM as an alternative.
@sudilos1172 Жыл бұрын
she looks just like Blaire white! she needs an istagram account!
@iHealthBrokers Жыл бұрын
Well... iHealthBrokers does have an IG account if you want to follow us there! 🤣
@mrnjo7 Жыл бұрын
Sorry Dear darling Sarah ,can't keep watching the video because you're feminine qualities are activating my serotonin and adrenaline ! Your smile and sweetness is overwhelming ! God bless you doll . Your friend as always !
@thyhandrevolve Жыл бұрын
Quick! Somebody grab a garden hose & spray Pepé Le Pew over here with some cold water 💧 🤨
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