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Major medical health insurance plans meet all of the minimum essential benefit standards of the ACA.

A major medical health insurance plan is a kind of medical insurance plan that meets all of the minimum essential benefit standards of the Affordable Care Act (ACA or “Obamacare”) while offering benefits for a broad range of inpatient and outpatient health-care services.

It is significant for you to understand that not all major medical health insurance plans can be bought with a premium tax credit, but enrollment in a major medical health insurance plan protects you from tax penalties for being uninsured under Obamacare.

Cost of Major Medical Insurance Plans

Deductibles

• $4,358 per year for individual coverage
• $7,983 per year for family coverage

Premiums

• $321 per month for individual coverage
• $833 per month for family coverage

To help find the correct health plan for you, enter your zip code where requested on this page to see a quote

How Obamacare Health Insurance Works

How to Enroll in Obamacare

If you’re uninsured or purchase your health insurance, the Affordable Care Act (ACA or “Obamacare”) provides you with multiple ways of buying health insurance that meets the minimum healthcare coverage standards required by the law.

Enrollment Via Licensed Private Channels

Under the ACA, customers can purchase health insurance from licensed agents, online or off, or directly from insurance companies. Private enrollment channels are usually staffed with licensed health insurance agents.

Enrollment Through Government Exchanges

Obamacare also allows customers to buy certain kinds of health insurance through government-run “exchanges” or marketplaces. Some states have created their exchanges, whereas others use the federal government’s exchange. Exchanges are typically staffed with “navigators,” who will help guide you through the exchange and ease your experience purchasing health insurance.

Obamacare Subsidies

If you find the cost of health insurance to be hard to pay for, be aware that you may qualify for premium tax credits (also called Obamacare subsidies). In most states, Health Insurance Plans Org can help you take advantage of Obamacare subsidies if you are eligible.

What to Purchase Under Obamacare

You can purchase many plans under the Affordable Care Act.

There are many kinds of health insurance plans you can purchases during the Affordable Care Act (ACA or “Obamacare”) Open Enrollment Period (OEP). Get information about the types of health insurance now available and choose the health plan that’s best suited to your needs.

Off-Exchange Major Medical Health Insurance

Off-Exchange major medical health insurance plans are usually not eligible for subsidies. Under Obamacare, individuals who do not qualify for or want a subsidy but want to avoid the tax penalty can purchase major medical health plans that meet ACA coverage standards on or off government-run state exchanges. 

On-Exchange Qualified Health Plans

Persons who qualify for and want to use a subsidy to pay for a Qualified Health Plan (QHP) can research QHP plan data on some private exchanges and enroll in a plan if the private exchange attains the federal requirements for qualified health plans. In some states, customers can do this online, while in others, a person may have to assist you in enrolling offline. You can also buy a qualified health plan through your state’s government-run health insurance exchange or marketplace.

References and Resources

• The Affordable Care Act
• Qualified Health Plan