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Marketplace plans are the first category of individual health insurance. These Atlanta health insurance 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 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. With us, you get the best deals on health insurance in Georgia.
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 are the first category of individual health insurance. These Atlanta health insurance 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 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. With us, you get the best deals on health insurance in Georgia.
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 plans are the second category of individual health insurance.
If you are in good health, the main purpose of 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 premiums 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-ups.
The cash rate for check-ups or office visits is simply not enough money to warrant spending tens of thousands of dollars each year on 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 plans are the second category of individual health insurance.
If you are in good health, the main purpose of 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 premiums 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-ups.
The cash rate for check-ups or office visits is simply not enough money to warrant spending tens of thousands of dollars each year on 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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