Do You Know What An AHP Is?
Most people have never heard of association health plans; however, these health insurance plans have been around for decades for small businesses in limited circumstances. Recently, new rules have passed that substantially expand the circumstances that would allow association health plans to be purchased. Most significantly, individuals now have access to these health insurance plans.
How Are Association Health Plans Different from ACA Plans?
Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget. These AHP plans will be different than the current ACA (Obamacare) health insurance plans, where insurers offering these plans cannot deny coverage for people with pre-existing conditions or charge them a higher rate based solely on their health status or history.
Association Health Plans, however, don’t have to provide the “essential health benefits” outlined by the ACA. (Maternity, Prescriptions, Pediatric Dental and Vision, Mental Health, etc.) Insurers offering Association Health Plans CAN base premiums on an individual’s age, gender, or industry.
Is This Coverage Enough?
This is where having an experienced, educated and knowledgeable licensed health insurance agent comes into play. Having an agent look at available plans and discuss the pro’s and con’s of each plan offered, and match your needs with what’s available or offered to you with your current and past health needs is critical. Even the healthiest person can become seriously ill or injured. If that happens, then not only will they deal with stress from the condition itself but also with the financial consequences of medical treatment.
Let Nevada Insurance Enrollment Advise You
Our Las Vegas, Nevada Health Insurance Agents are here to help you get the best coverage you can afford. Call us today to discuss your healthcare needs and budget, and we’ll help you find the plan that’s right for you and your family.
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Recent Posts
Auto Insurance Deductibles: What Are They?
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
How Much Auto Insurance Coverage Do You Need?
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.
Auto Insurance Coverage When Driving in a Different State
Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.
Health Insurance Plans for Year 2019 and Beyond
According to a recent study, health insurance premiums could increase for individual plans on the ACA marketplace between 35 and 94 percent by 2021. Concern over health care is nothing new; in fact, this is the fifth consecutive year that Americans have ranked health care as a top concern.