NON-QUALIFIED
Plans May Be The Answer
- Broad national Aetna PPO and Cigna PPO networks with access to more physicians & hospitals
- 6, 12, 24 and 36 Month Rate Guarantee Options
- Affordable monthly premiums
- Variety of deductible and out of pocket choices
- Doctor Visits and Prescription coverage
- Emergency room and ambulance coverage
- Hospitalization and surgical coverage
- Urgent care benefits, and more
- First dollar Accident & Critical Illness benefit options
- The benefits listed above apply to the example shown. Plan benefits may vary by carrier and state
NON-ACA-QUALIFIED plans are an affordable alternative for people that want health insurance, but the full cost of a 2024 Affordable Care Act (ACA) / “Obamacare” plan is too expensive. If you’re eligible and don’t need coverage for maternity, mental health, substance abuse, or a pre-existing condition, then a NON-ACA-QUALIFIED plan may be a good choice.
Copay Enhanced PPO - 24 Month Rate Guarantee +$5,000 Accident & Critical Illness
Copay Enhanced PPO 6k, 100% $5,000,000 Benefit
- Deductible
$6,000
- Office Visit Copay
$40 PCP, $60 Specialist
$5 Million
Maximum Benefit
QUALIFIED PLANS
The Affordable Care Act (ACA) / “Obamacare” provides coverage for all pre-existing conditions from day 1, without any lifetime or yearly limits for Essential Health Benefits. If you’re receiving medical care or prescriptions for a condition you need the insurance company to pay for, or if you qualify for a low-income government subsidy to help pay for your coverage, then an ACA-Qualified plan is probably your best choice.
Acceptance
- Guaranteed acceptance during the annual Open Enrollment period from November 1st through December 15th
- Day 1 coverage for pre-existing conditions to pay for the care you're receiving now or that is already scheduled
- Subsidies and cost share allowances available for low-income households
- No lifetime or yearly limits for Essential Health Benefits
- May have a limited choice of plans, doctors and hospitals depending on your area
- Costly for people without subsidies or cost share allowances
Government Subsidies
The Affordable Care Act (ACA) / “Obamacare” determines who gets government subsidies and cost-sharing allowances and who doesn't. Which category you fit in may determine which path you take for the 2024 plan year.
- Advanced Premium Tax Credit (APTC) - provides a subsidy that will pay a portion of the premium for low-income households.
- Cost Sharing Reduction (CSR) - reduces the amount low-income households have to pay for deductibles, copayments, and coinsurance.
- Tax Penalties - The tax reform bill known as the Tax Cuts and Jobs Act, passed on 12-20-2017, eliminates the Shared Responsibility Payment tax penalty from the ACA Individual Mandate.
Subsidy
Penalty
Exempt
NO MORE PENALTIES!
The Tax Cuts and Jobs Act of 2017 - signed into law on 12-22-2017, eliminates the Individual Mandate tax penalty for not purchasing an ACA/Obamacare plan. If you purchased a 2025 ACA/Obamacare plan in fear that you would receive a tax penalty, now may be the time to look at an affordable alternative. Note: CA, DC, MA, NJ, RI, and VT have enacted their own individual health insurance mandate penalty. Check with your tax advisor for details.
Supplement Plans
BASE
MEDICAL
Critical Illness
Accident
Prescription
Dental
Vision
Hospital Expense
Supplemental Plans
Supplemental plans provide first-dollar coverage to fill gaps that primary health insurance plans don't cover. You can easily offset your base plan deductible or out of pocket expenses by merely adding a first-dollar supplemental plan for accidents, critical illnesses, or hospital admission/confinement. What if you need dental work?
Let’s start right now in
3 easy steps
- ASSESS
- SHOP
- ENROLL
Easy Enrollment
An online health insurance marketplace where you can easily shop and enroll in the health insurance plans your family needs. Our technology uses direct access carrier feeds for pricing, enrollment, and service.
Need Affordable Health Insurance?
2024 Plan Grid
There are 6 different categories of health insurance coverage in the United States. Easily compare the ACA provisions of each with our 2024 Health Plan Grid.
- ACA-QUALIFIED - Affordable Care Act / "Obamacare" plans have no lifetime or yearly limits for Essential Health Benefits and cover pre-existing conditions from day 1
- NON-QUALIFIED - These plans do not follow the provisions of the ACA and do not cover maternity, mental health, substance abuse, or pre-existing conditions. They are an affordable alternative for people that want coverage for unexpected illness or injury but cannot afford an ACA Qualified plan
Essential Health Benefits
| Enrollment | ACA-Qualified (Obamacare) | NON-ACA-QUALIFIED | Employer Group |
|---|---|---|---|
| Government Marketplace | |||
| iHealthAgents.org |
