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Getting Life Insurance Doesn’t Have to Be a Hassle
Getting health insurance can feel overwhelming, but you don’t have to do it alone. The Health Insurance Marketplace can help you find a plan, and if you qualify based on income, legal status, or other factors, you may be eligible for discounts or subsidies. Unfortunately, not everyone can access coverage through the Marketplace, so staying informed and understanding the latest news and changes is essential.
How to Navigate the Marketplace
Navigating the website may seem daunting, but it is user-friendly once you know what to do. Here is what you can accomplish online:
- Browse and compare plans.
- Make changes to your account.
- Upload documents
- Find providers
Being exposed to multiple providers and plan options can feel overwhelming, and the insurance jargon can add to the confusion. It is vital to take your time, gather your documents, and be fully prepared before the Open Enrollment Period (OEP) begins. The healthcare marketplace provides a downloadable checklist to help consumers know exactly what they need to do before enrollment season.
Review Your Current Coverage
If you already have a health plan, OEP is the best time to review your coverage and stay ahead of ACA changes. Just as you review your electric plan or other subscriptions to make sure you are getting the best value, it makes sense to do the same with your health plan. A licensed agent can help you review your current plan and identify gaps you might not even be aware of.
How an Agent Can Help
Even if you are ready to enroll but unsure whether your plan offers the right coverage at a fair price, an agent can guide you. You do not need to know every detail, but you should understand what is most important for you and your family. An agent can save you hours of research by checking whether your doctors are in-network, if coverage includes your children, and whether dental or vision is included. They do all this at no cost to you. Working with an agent is not about what you cannot do; it is about valuing your time and making sure your family gets the best coverage.
Resources and Support
Here are some resources to help you prepare for the OEP and navigate the marketplace:
Final Thoughts
At Empower Brokerage, our agents are committed to providing excellent service and helping you secure the health coverage you need. From ancillary benefits to plan comparisons, we make navigating the health insurance marketplace easier so you can focus on what matters most to your family and your peace of mind. If you want to learn more about enrollment periods, check out our article Health Insurance Plan: Special Enrollment Periods.
Have Health Insurance Questions?
We hope that this information on What is the Health Insurance Marketplace? is helpful for you.
Insurance is often overwhelming, and we want to shed light on the industry by answering your questions. Comment below, and your question may be the topic of our next post!
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Empower Brokerage wants to help you find the insurance coverage you need and help you save money getting it. Stay on top of your health and give us a call at (844) 410-1320.
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