Obamacare
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What is Obamacare?
The Affordable Care Act, also known as “Obamacare,” was developed to help people access affordable health insurance through a health insurance marketplace where Americans can purchase federally regulated, subsidized health insurance during open enrollment.
Need More Information on Obamacare?
Information about health insurance and government programs is often confusing. For this reason, we are at your disposal to give you a detailed explanation of each Medical Plan and to provide you with a quote depending on all the factors that could be most beneficial when acquiring health insurance for you or any other member of your family.
Obamacare health insurance in Kissimmee
To qualify for this government program, you must enroll during the new Obamacare period determined for the year 2024 starting from November 1, 2024 through December 15, 2025, but you could still be eligible if you had a qualifying life event, such as changing jobs, getting married/divorced, moving, etc. We will help you determine if you are eligible and find the best plan. Finding the right plan can be difficult. Each plan has its pros and cons, especially considering how costs can vary greatly, depending on deductibles, co-pays, premiums, plan provider networks, to name a few. Choose a Health Plan that fits you and your budget.
Personal & Business Insurance Group works with dozens of health companies, making it easy to compare various health insurance options. If you qualify for an Affordable Care Act plan, you can work with all of the health companies listed to compare plans and prices. Once you provide us with the requested information on our form, we will attempt to connect you with the appropriate agents, brokers and other insurance service providers to help you purchase the best health insurance. If you are already 65 years old or are about to turn 65, you can view more information regarding Medicare & Medicaid, this information could be important to you. We are located in Kissimmee, Florida, Schedule an appointment today!
Get a quote for your Obamacare Today plan…
$0
Payments in Prima
Planes comienzan desde $0, dependiendo el programa que usted seleccione.
Special Enrollments for Obamacare
Lost your Insurance?
Whatever the reason, losing your insurance can be stressful. Obamacare can help! Contact our agents to make sure you’re covered.
Just Moved?
Welcome! Moving is a tedious process. Health care plans and benefits differ across the country. Let us make your move a little less stressful.
A New Baby?
Keep your child healthy by enrolling in Obamacare. Whether biological or adopted, we can make sure our agents can help you get healthcare coverage for your child.
Divorces?
Major changes can be difficult for any family. Let us help you enroll in Obamacare today so you and your family are covered.
Just Married?
Congratulations! The best gift you can give your spouse is the gift of healthcare through Obamacare. Call or stop by to discuss options.
New Resident?
Welcome to America! Now that you’re here, let’s get you covered! Enroll in Obamacare today and get high-quality health insurance!
Having health insurance
is the first step to protect
your well-being and that
of your loved ones
ESSENTIAL BENEFITS OF OBAMACARE
First Benefits:
First Benefit:
All persons who meet the requirements are accepted, regardless of pre-existing illnesses.
Third Benefit:
Obamacare health insurance remains the cheapest, as it is supported by a state credit subsidy.
Fourth Benefit:
The 10 basic benefits of Obamacare remain mandatory.
These are:
- Outpatient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization (such as surgery and overnight stays)
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or regain mental and physical skills)
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage are not essential health benefits)
Income table for qualifying for the Obamacare program
| Family | 100% | 400% |
|---|---|---|
| 1 Persona | $12,880 | $51,520 |
| 2 Persona | $17,420 | $69,680 |
| 3 Persona | $21,960 | $87,840 |
| 4 Persona | $26,500 | $106,000 |
| 5 Persona | $31,040 | $121,160 |
| 6 Persona | $35,580 | $142,320 |
| 7 Persona | $40,120 | $160,480 |
| 8 Persona | $44,660 | $178,640 |
Now that you’ve probably seen all the values put together in one image, you can begin to understand the scale better. Let’s move on to review how the income table works, and how it relates to Obamacare.
How should I read
the Obamacare income table?
The first thing is that you must be absolutely clear about what your annual income is, individually or among all family members.
IMPORTANT NOTE: The values you must use are those corresponding to your household’s expected income for the year in which you want coverage, not last year’s income.
Depending on the income you or your family have, you will be placed in one of the levels established in the table.
You should consider this: Those who have an income of $12,880 per year are in the level corresponding to 100% of poverty. In this case, you can obtain a very good subsidy to ensure your health coverage.
On the other hand, if your income is below 12 thousand dollars, or exceeds 51 thousand dollars per year, then you are not eligible for the subsidies granted by Obamacare, or other federal programs.
Obamacare Open Enrollment
From November 1, 2024 to December 15, 2025
Simple and Easy Process
Explore Your Options
A few simple questions allow our agents to provide quotes for different coverages. All in one place.
Choose Your Policy
You will be asked some additional questions to request the quote you liked. Answer at your own pace.
Enjoy your life!
We’ll take care of the rest, monitoring your application and helping to resolve any issues until you get your policy.
Protect Your Family Today.
It’s easier and cheaper than you think!
Preguntas frequentes de Obamacare
OPEN ENROLLMENT PERIOD:
It is during a specific period of the year, when you must purchase health insurance in Florida. This period runs from November 1st to December 15th of each year. During these days, you can materialize your intention to insure your health. Visit us at 108 Buenaventura Blvd. Kissimmee, FL 3474 or call us at 321-236-3108
SPECIAL REGISTRATION PERIOD:
It refers to the possibility of acquiring health insurance in Florida outside of the open enrollment period, and this is possible if certain events occur, such as losing your current coverage, moving to another state, having children, getting married, getting divorced, or other cases. Please contact us to learn about your case.
PRE-EXISTING CONDITIONS:
No company offering health insurance in Florida is allowed to raise any objection to any person during the open or special enrollment periods, much less charge amounts above those established in the insurance market if they have a pre-existing condition or disability.
INSURANCE PREMIUMS:
The health insurance premium is a monthly amount that you pay to have health insurance in Florida. Insurance companies will take into account the city where you live, whether or not you are a smoker, whether the policy is for your entire family or just for you, and your age to establish this value.
GOVERNMENT SUBSIDY:
La prima de seguro de salud es un monto mensual que usted paga por tener Seguro médico en Florida. Las compañías de aseguranza van a tomar en cuenta, la ciudad donde vive, si es o no fumador, si la póliza es para toda su familia o solo para usted y su edad para poder establecer este valor.
CAN HEALTH INSURANCE BE PERSONALIZED?
When you contact us, we will refer you to our professional staff who will provide you with all the relevant information regarding the customization of health insurance plans.
Documents to submit for Obamacare registration
It is very important that you take into account the requirements to apply for Obamacare once you decide to renew your health insurance or find new coverage within the Open Enrollment Period for Obamacare.
You must have the following documents ready before registering:
- Legal immigration status (social security, residency, work permit or American passport)
- Necessary income declared in taxes.
- Driver’s license
- Payment method to make the activation payment for your new insurance
Since when will I be able to benefit if I get Obamacare insurance?
If you fill out the application in the Health Marketplace during the enrollment period, you will benefit very soon. Remember that December 15, 2022 is when the Obamacare enrollment period for 2023 expires.
Now, the official start of health coverage is January 1. Normally, a few weeks before, you receive the insurance documents by mail, and you can enroll online on the insurer’s website, and there you can make payments, select your primary doctor and obtain your membership card.
Of course, you will feel the peace of mind of having health insurance that will cover essential aspects of your health services. And at Dulcinea Insurance we will help you with all the steps you need to make this path of the Obamacare Enrollment Period easier for you.
HEALTH INSURANCE
