when you're shopping for health insurance it's good to know what your options are. there are affordable care act or "aca" insurance plans and there's also short term medical coverage. let's take a closer look and see which one might work best for you, based on your situation. meet brian. brian currently doesn't have a health insurance plan. he wants coverage for the coming year, so he goes to healthcare.gov see what plans are available.
brian discovers that due to changes in the health insurance market in his area more people may be eligible for financial help, or subsidies. good news! he qualifies for the financial help, which will reduce his monthly payment amount, and lower his out-of-pocket health care costs. brian decides to choose a plan from blue cross blue shield of arizona. his new plan gives him $35 doctor visits. and $0 preventive care. plus coverage for hospital stays, prescription drugs, er visits and more. best of all with the federal financial help his monthly payment will be $0.
brian's plan is a good fit for him. let's see if this type of plan works for his friend cassie. cassie is always looking for the best value. so she goes to healthcare.gov to see what her options are. when she can't find an aca plan that she can afford, she searches for other types of medical plans that may be available. cassie discovers that blue cross blue shield of arizona, if working with the ihc group to offer low-cost short-term medical plans. she wants to know more.
however, since a short term medical plan won't provide the same benefits as an aca plan, she talks with an insurance expert. she learns the coverage includes protection against unplanned medical expenses, from injuries or illnesses that are not related to a pre-existing medical condition. since she hasn't been treated for any medical conditions or illnesses in the past five years, she's ok with that. she also likes that she can choose the amount of time she can get coverage for at a lower cost than an aca plan. since there's no enrollment period. cassie applies online, on the spot. it only takes a few minutes, and coverage could begin as soon as the next day.
best of all cassie won't have to pay federal penalty for not having coverage, since other aca plans in her area were deemed unaffordable. are you ready to explore your options? find out what type of health insurance is best for you in your area. visit azblue.com/compareplans today.
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