Discover Affordable Care Act (ACA) plans, also known as major medical or comprehensive coverage. These plans meet all the requirements of the ACA and offer extensive coverage. Whether you refer to them as “Obamacare” or another name, ACA plans provide comprehensive benefits for various healthcare services, including inpatient and outpatient care. They can help protect you from high medical costs associated with chronic illnesses or emergencies.

With ACA plans, you can save on routine doctor visits, prescription drugs, preventive care, hospital stays, and more. These plans are available to nearly everyone, and you cannot be denied coverage based on preexisting conditions.

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Consider short-term health insurance if you are unable to afford an Affordable Care Act (ACA) plan or missed the application deadline. Short-term plans provide limited coverage compared to ACA plans and do not exempt you from state tax penalties. However, they accept applications throughout the year and can help with costs in the event of a non-preexisting condition-related medical emergency.

It’s important to note that short-term plans do not meet ACA requirements and may not cover all your medical needs. Carefully review the plan details before applying. Additionally, acquiring short-term health insurance may make you ineligible for other types of coverage, including ACA plans and COBRA.

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Consider medical indemnity health insurance, also known as fee-for-service plans, which provide a fixed amount for specific services, such as $50 for a doctor visit. Regardless of the actual bill for the visit, the plan will pay you $50.

Medical indemnity plans can be combined with other insurance to help cover out-of-pocket expenses like copays and coinsurance. You can choose to have a medical indemnity plan as your primary insurance or as part of a comprehensive insurance package. However, it’s important to note that medical indemnity plans do not meet the requirements of the Affordable Care Act (ACA) and do not exempt you from state tax penalties. They typically do not cover preexisting conditions and may have benefit limits based on incidents, yearly, or lifetime coverage.

While medical indemnity plans may not be suitable for everyone, they can provide assistance with medical costs and expenses. Take a closer look if you’re seeking additional coverage options.

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