How to find the most profitable Obamacare insurance plan - ForumDaily
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How to find the most profitable Obamacare insurance plan

Фото: Depositphotos

Фото: Depositphotos

The number of insurance companies working with Obamacare is declining, experts predict that in most regions, only one insurer will have access to buyers.

In addition, in 2017 year price increase is expected for this program on average 22%. Therefore, many customers of the program are looking for new insurers or simply want to change the plan to a more profitable one.

How to find the most profitable insurance package for you with the best ratio of premium and covered medical services, writes Time.

Get a tax credit

You can purchase an insurance plan at the federal level, in authorized state organizations or from private companies. But if you are eligible for a tax credit (it is available to those who individually earn no more than $ 47 520 per year, or families from 4 people whose total annual income does not exceed $ 97 200), you need to purchase insurance from authorized state organizations.

These subsidies can offset part of the cost, but far from everyone who has the right to do so, according to the government, in 2016, about 2,5 million people missed this opportunity.

Go to private sellers

If you do not have the right to subsidies for annual income, it is better to purchase insurance from private sellers: there is a wider choice. For example, an insurance broker eHealth.com different states offer a more varied selection of insurance plans than official agencies.

In addition, you may be limited in the choice of clinics and doctors, so you need to be very careful when buying an insurance plan.

Turn off autopilot

If you're one of the 2 million people whose previous insurer dropped Obamacare, choose a new plan by December 15th. Otherwise, the program can do it for you. It is worth considering new plans, even if your insurer remains in the program - prices will change in 2017, and its offer may no longer be the most profitable.

Evaluate plans

You can choose from platinum, gold, silver and bronze plans. And choosing a cheaper plan, you cut the maximum possible amount of payments. Therefore, carefully calculate your annual costs and coverage, which gives insurance.

Как писал ForumDaily to find out what the price of your insurance plan will be, you can go to the portal healthcare.govwhich provides Obamacare services to residents of 38 states. The remaining states have their own partners. Therefore, if you live, for example, in New York, then you will automatically be redirected to local sitewhere you can view and compare different insurance plans and find out if you can count on financial assistance from the state.

Read also on ForumDaily:

How expensive is Obamacare in 2017?

What you need to know if you are going to buy Obamacare on 2017 year

US government spending on Obamacare grows

Obamacare belaying Educational program how to save money
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