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Compare Obamacare Health Insurance Quotes

Comparing health insurance quotes is easier than you think. We make it easy for you to find the best policy for you and your family.

The Affordable Care Act – also known as Obamacare – protects your access to quality health insurance by offering subsidized rates. The main difficulty overall is choosing an affordable health policy and whether or not you qualify for cost-sharing measures to lower the price of premiums and minimize out-of-pocket expenses.

But when you need to compare Obamacare health insurance quotes, it's challenging to pick the right policy without seeing quotes side-by-side.

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Here's how Obamacareplans.com can help you find the best rates on ACA-approved health plans and how to sign-up and see what your options are!

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What's the most vital information to know to compare Obamacare health insurance quotes online?

Obamacare essentially ensures that insurance providers offer reasonable rates for people with modest incomes. Hence, it's vital to remember that the health care law isn't another government-sponsored program like Medicare, Medicaid, and Social Security. The ACA expands access to health care services through increasing access to health insurance, yet it's becoming more difficult to find the right policy for your health care needs without assistance.

With that in mind, here's how Obamacare lowers the price of health insurance to save you money in the long run.

How does the Affordable Care Act lower the price of health insurance?

The ACA lowers a health policy's price through several cost-cutting provisions that make policies more affordable.

Protection against being charged more for pre-existing conditions

Insurance companies can't deny you coverage for pre-existing conditions or charge you more for the same benefits. Before Obamacare became law, a simple pre-existing condition like pregnancy used to disqualify you from receiving the best rates, but now that's not the case.

Capping your out-of-pocket expenses

Before the ACA became law, insurance providers had no limits on how much they could charge you out-of-pocket, but now, there is a reasonable cap on patient costs if you have a way to find the best rates.

No benefits cap

Insurance companies used to be able to place a hard cap on the number of health services they'll cover, so if you reached that cap, insurance providers wouldn't pay for services. Today, insurance providers can no longer cap benefits if you get too sick too quickly.

Cost-sharing to lower premiums

The ACA also created subsidies you can apply for to offset the cost of health insurance. Prior to the ACA, you had to pay the total price of premiums without any cost-sharing reductions, but today, you can receive subsidies to lower the cost of a health policy overall.

Overall, those benefits of purchasing an Obamacare plan are what make metal-tier plans more affordable for everyone.

If you'd like to know more about how much you can save on health insurance, get a quote from Obamacareplans.com to see your options.

How much can you save with Obamacare subsidies?

Generally, the amount of money you can save with Obamacare subsidies varies depending on your household income – and whether or not your home state expanded Medicaid coverage.

If you live in a state that expanded Medicaid, you must have an income below 138 percent of the federal poverty line (FPL) to receive subsidies. But if your home state never expanded access to Medicaid, you can only earn a maximum of 400 percent of the FPL to qualify for cost-sharing.

Also, the actual amount of the subsidy depends on which of the metal tiers you choose. Most people choose a Silver plan because it offers the best balance of costs and benefits, but there are better metal-tier plans available if you need more comprehensive health insurance.

While most full-time workers receive employer-sponsored health coverage, there's no guarantee that those policies will offer the best price. That's why it's so important to shop around for insurance and see whether or not you're eligible for Obamacare subsidies.

Are you eligible for Obamacare subsidies? Find out today!

The benefits of purchasing affordable health coverage through Obamacare are many, but the catch is that you have to qualify for the best subsidies.

So, if you need a quick, reliable way to compare quotes before applying for subsidies, Obamacareplans.com is an online health insurance marketplace where you can see all pricing information and much more in one place.

All you need to start comparing quotes is to fill out a simple health questionnaire and include your basic contact information.

With Obamacareplans.com, it's much easier to start saving on health insurance and find the right health plan for your needs.

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ObamacarePlans.com is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacarePlans.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.