Review the deductible, copayment and co-insurance amounts. The deductible is the amount you pay each year for covered benefits before the health plan pays anything (except for preventive care). The copayment is the fee you pay for each office visit. Not all health plans have co-payments. Co-insurance is the percentage of covered health care costs you pay after you have met the deductible.
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options. 1 UnitedHealthcare received the highest numerical score in the proprietary J.D. Power 2013-2015, 2017-2018 (tied in 2018) Vision Plan Satisfaction Reports. Report measures opinions of consumers with vision plans. Visit www.jdpower.com/awards 2 Short-term health insurance is medically underwritten and does not cover preexisting conditions. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This coverage is not “minimum essential coverage.” 3 The coverage term is one day less than 3 years. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. 4 National Association of Dental Plans. Who has dental benefits? Retrieved from http://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx#_ftn1 5 This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes. 6 Underwritten by Sirius International Insurance Corporation or United States Fire Insurance Company. 7 Optional benefits require an additional premium cost. Products vary by state.

If you are looking for individual or family health insurance, it helps to get advice and ask questions. Licensed insurance agents at eHealth are here to help you make the right decisions for you and your family. They can give personalized opinions on what plans will work best for you based on budget and medical needs. Enrolling in a health insurance plan with the help of an agent comes at no extra cost to you.
To get the subsidy, you must apply for it and purchase a plan through your state’s health insurance exchange, also known as the Health Insurance Marketplace. The amount you receive will depend on the estimated household income that you put on your Marketplace application. Usually, you must make between 100 and 400 percent of the federal poverty level to qualify.
When you purchase a health insurance plan in Pennsylvania, you can also add your spouse and children to the policy, which will increase your premiums with each person covered. The cost of coverage for spouses and children over the age of 14 is determined by the age of the person being insured. Children ages 14 and younger can be added to your health insurance plan for a cheaper, flat rate.

For households with income up to 138% of the federal poverty level, you may be able to get Medicaid, as Illinois expanded its coverage under the Affordable Care Act. If you don't qualify for Medicaid but have a low-income household, a Silver plan may be the cheapest option for health insurance coverage, as these policies are eligible for cost-sharing reduction subsidies.


If you’re new to health insurance in the United States, you’ll find it’s expensive. But cost isn’t the only problem for beginners trying to get health insurance. It’s also a complex system with multiple entry points. Since you can potentially get health insurance from many different sources, for example, the government, from your job or university, or from a private insurance company, it’s not always clear where you should start looking when shopping for low-cost health insurance.
Our short-term health insurance plans can help you bridge the gap in your healthcare coverage for up to three months when you're going through a transition. Short-term plans can save you money, but they aren't compliant with the Affordable Care Act and they don't have coverage requirements. Pre-existing conditions aren't covered and you will be subject to medical questions and Underwriting approval.
Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Sirius International Insurance Corporation, United States Fire Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., UnitedHealthcare of Washington, Inc.
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