Bronze
Lowest monthly premium, highest deductible. A fit for people who are generally healthy and want protection against a major event rather than help with routine costs.
ACA Marketplace plans and premium tax credits
Health coverage built around you and your family
Buying health coverage on your own is confusing when no employer provides it. Between carriers, networks, deductibles and subsidies, knowing where to start is not easy. Michael compares ACA Marketplace plans for Broward County families, the self-employed and early retirees, and works out any premium tax credit you qualify for.
Independent broker
Pembroke Pines & Broward County
Licensed in 6 states
Individual and family coverage options
Michael takes the time to understand your healthcare needs, budget, doctors, prescriptions and priorities before comparing the options available to you.
Whether you are self-employed, between jobs, retiring before Medicare, or simply need coverage outside of an employer, he helps you find a plan that fits your situation.
Depending on your household income, you may qualify for a premium tax credit that lowers what you pay each month. Michael works out the real number before you decide.
What it covers
ACA Marketplace health insurance
ACA Marketplace plans provide comprehensive major medical insurance for individuals and families who do not get coverage through an employer.
Depending on your household income, you may qualify for a premium tax credit that reduces your monthly premium.
ACA plans can fit individuals and families looking for:
- Comprehensive major medical coverage
- Coverage for pre-existing conditions
- Preventive care
- Prescription drug coverage
- Financial assistance based on eligibility
- Coverage through established insurance companies
Choosing an ACA plan is about more than the lowest premium. Michael compares provider networks, deductibles, out-of-pocket costs, drug coverage and available financial assistance to find the plan that fits.
The metal tiers
Bronze, Silver, Gold and Platinum
Marketplace plans are grouped into metal tiers that trade monthly premium against what you pay when you use care. The right tier depends on how often you expect to need healthcare.
Silver
A middle balance of premium and out-of-pocket cost. Silver is also the only tier where cost-sharing reductions apply, so lower-income households often get the most value here.
Gold
Higher premium, lower costs when you use care. A fit for people who expect regular doctor visits, ongoing prescriptions, or a planned procedure.
Platinum
Highest premium, lowest out-of-pocket costs. Suited to people who use a lot of healthcare and want the most predictable expenses, when the plan is available in your area.
Questions
Health / ACA questions
Who typically needs individual or family health coverage?
Individual coverage fits if you are self-employed, do not have access to employer-sponsored insurance, are between jobs, retiring before Medicare eligibility, or otherwise need to buy coverage for yourself or your family.
Can I get financial assistance for an ACA plan?
Depending on your household income and other factors, you may qualify for a premium tax credit that lowers your monthly Marketplace premium. Michael works out what assistance is available and how it changes your plan options before you decide.
Does it cost more to work with First Community?
In most cases there is no additional cost to you. You get personalized guidance comparing your options and help through enrollment, and the carrier generally compensates the agency when you enroll.
What is the difference between the metal tiers?
Bronze has the lowest premium and highest deductible, and Platinum is the reverse. Silver sits in the middle and is the only tier where cost-sharing reductions apply, so it often gives lower-income households the best value. Michael matches the tier to how often you expect to use care.
Find the Right Marketplace Plan
Give Michael your household size, your ages and your income estimate, and he will tell you what you qualify for and compare the Marketplace plans that keep your doctors in network.
Rather just talk it through? Call Michael Cuevas at 561-234-8810.