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Wondering how to choose a plan on the health insurance marketplace in Iowa? You’re not alone. Decoding deductibles, copays, and premiums can get confusing, but HealthMarkets is here to make it simple.
Purchasing an affordable plan on the exchange is easier than you may think. In 2018, 91% of Iowans who purchased a plan were eligible for a tax credit that lowered their premium costs, and over 48% of uninsured Iowans had access to a plan that would cost $0 per month in 2019. We can help determine if you qualify, too.
Health Insurance Marketplace in Iowa: Choosing Your Plan
You’ll have to make a choice between plans on the on the healthcare marketplace in Iowa. But how can you be sure you're getting the coverage you need? Here are some things to keep in mind:
- Sometimes, you get what you pay for. While you want to save money on premiums, be sure that the policy you choose is not so minimal that it doesn't protect you if you become ill or have an accident.
- Estimate your insurance needs. If you are rarely sick, a lower-priced plan may be your best bet. If you're healthy, a high deductible plan might work well. If you have kids or are planning to become pregnant, you may need a low-deductible plan.
- Do you qualify for a subsidy or tax credit? You may be eligible for a reduction in your monthly premium. Our licensed agents can help you find out.
Our licensed agents can explain your options, compare plans, provide quotes, and help with enrollment. We can even find plans sold off the exchange. Call us today at (800) 360-1402 to get started.
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References:
https://www.kff.org/health-reform/issue-brief/how-many-of-the-uninsured-can-purchase-a-marketplace-plan-for-free/ | https://www.kff.org/other/state-indicator/effectuated-marketplace-enrollment-and-financial-assistance/
