"Obamacare" / aca plans
GUARANTEED ISSUE
No matter what your health history is you can get approved regardless
Subsidy Discount
If you fall within a certain income range for your tax household size, you may qualify for a significant discount or subsidy paid by the U.S. government ie; tax payors.
Risk to Pay Back Subsidy
You may be legally required to pay back your subsidy If you make more money for the year than you originally stated on your ACA Obamacare application. NOTE **If required to pay back, it is typical that the entire amount be required all in one lump sum.
Mostly HMO's
99% of plans on Obamacare / ACA are HMO's or EPO's. EPO's are a type of HMO. EPO's are NOT PPO's!
HMO's
More restricted network than PPO's.
Need a referral from your Primary Care physician in order to see a specialist.
Typically Zero insurance benefits outside of your state of residence.
PPO's
Superior to HMO's | Broader network of doctors and hospitals
No need for a referral to see a specialist, make an appointment with each specialist directly.
Nationwide coverage