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Healthcare FAQ

The Affordable Care Act, also known as "Obamacare" or more recently Bidencare, was developed to help individuals access affordable health insurance through a health insurance marketplace that enables Americans to purchase federally regulated and subsidized health insurance during open enrollment.
Affordable Care Act, Obamacare and or Bidencare healthcare plans are offered on and have specific coverage that are prices based on age, household size, income and smoking status. Let us help you get you set up with a personalized plan today.
Did you know that the Affordable Care Act offers a subsidy to those that meet certain requirements? If you do not qualify for government insurance like Medicare, your employer does not offer affordable insurance, and your household income is less than 400 percent of the federal poverty line, you may be eligible for a 2024 tax credit. If you believe you may qualify, you can learn more by contacting Healthcare Insurance today!
Have you found an affordable insurance plan on or are you looking to expand your current coverage? You can switch to a new individual healthcare plan during open enrollment. Although open enrollment has ended for 2024, certain qualifying events could make you eligible for a special enrollment period. Events such as having a baby, losing your current coverage, moving counties, or getting married qualify you for a 60-day special enrollment period. Otherwise, you will be able to switch your plan starting November 1st. Find out more about open enrollment in Healthcare Insurance today!
The timeframe when individuals or families can enroll in a health insurance plan, apply changes to their healthcare options, or cancel a plan.
Enrollment through the Health Insurance Marketplace normally takes place from November 1st – December 15th. All plans acquired during this time are effective January 1st of the following year.
Users are usually restricted to doctors, other health care providers, or hospitals on the plan's list, and generally do not cover out-of-network care except in emergencies. The plan may require users to live or work in a specific service area in order to be eligible for coverage.
Coverage usually contracts with medical providers, such as hospitals and doctors, to create a network of “participating providers.” Most often users pay less when/if they use doctors, hospitals, and other health care providers that belong to the plan's network. However, users will pay more if they seek medical services outside the network.
Users pay less when they use doctors, hospitals, and other health care providers that belong to the plan's network.

Healthcare Insurance is privately owned and operated by HCI Compare LLC. Invitations for applications for insurance on are made through HCI Compare LLC, a subsidiary of Healthcare-Insurance, only where licensed and appointed. HCI Compare LLC licensing information can be found here. Submission of your information constitutes permission for an agent to contact you with additional information about the cost and coverage details of health plans.