We help you choose the health plan that best suits you.
«It is better to have it and not need it, than to need it and not have it…»
Affordable Care Act (ACA)
The comprehensive healthcare reform law, known commonly as ACA or Obamacare, requires qualified insurers to provide individual health insurance plans to enrollees that meet the minimum essential coverage requirements. These plans are designed to make healthcare more affordable and to provide coverage to everyone, including those with pre-existing conditions.
Important
When choosing your plan, it’s important to look at the deductible, which is the amount of money you pay before your insurance “kicks in,” and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%.
Please note
That while all ACA health insurance plans include dental and vision coverage for children, they may not include it for adults. If you need vision and dental coverage, and your plan doesn’t include it, you’ll have to purchase it separately.
OBAMACARE
Essential Health Benefits
By law, a qualifying health plan must at minimum meet all of these following Ten Essential Health Benefits:
Ambulatory Care
Emergency Services
Hospital Coverage
Pregnancy/maternity and newborn care
Pediatric services (including dental and vision)
Mental health and addiction treatment
Prescription drug benefits
Rehabilitative Coverage
Laboratory services
Preventative services and chronic disease management
Health Plan Categories
Marketplace plans are put into 4 categories (or «metal levels»): Bronze, Silver, Gold, and Platinum. Catastrophic plans are a 5th category available to people under 30 and some people with limited incomes.
90%
Of healthcare costs covered.
80%
Of healthcare costs covered.
70%
Of healthcare costs covered.
60%
Of healthcare costs covered.
Who is eligible
US Citizen or Legal Alien
You must meet one of these immigration statuses: American Citizenship, Residence, Humanitarian Parole (Approved), Political Asylum Process (In Process), Residence Process. (In Process), TPS. (In Process).
Income
You must have an income between 100% and 400% of the federal poverty level to qualify for subsidies that reduce the cost of premiums.
Not having coverage
If you don't have access to a health plan through your employer, Medicare, Medicaid, or the Children's Health Insurance Program (CHIP), you may be eligible to enroll in a plan through the Health Insurance Marketplace.
Pre-existing conditions
Plans cannot be denied to people with pre-existing conditions.
Registration during specific periodss
You must enroll during the open enrollment period or qualify for special enrollment due to a qualifying event, such as moving, changing marital status, or loss of coverage.
Cost
Enrolling in an ObamaCare policy can vary greatly depending on several factors
Income – Age – Location – Household Size – Plan Type
*At Agramonte Insurance we have the experience to recommend the best insurance plan that suits your needs and budget. Do not hesitate to contact our advice is completely free*
Don't miss this opportunity
Open Enrollment 2025
The Affordable Care Act (ACA) plans, will take place from November 1, 2024 to January 15, 2025.
Our priority is your Health
You want to know if you qualify an Obamacare plan
Fill out the form and we will contact you shortly.
Our advice is free
You can also register for free through the HealthSherpa online platform using the following link…
**At HealthSherpa platform, you’ll be able to change the language. The button is at the top right**
Another affordable health insurance alternative in the USA.
Aimed at those people without legal status in the USA, who are not eligible for state health insurance or who have been rejected by a health company.
It is a practical and accessible solution with individual or family medical coverage and which would be available for about $59 per month, with access to medical expenses and dental, also ophthalmological and pharmaceutical services.