Until recently, millions of people were unable to afford basic health insurance in San Diego and the rest of America. In some cases, the lack of insurance led to ignored warning signs and delayed medical procedures. Illnesses and injuries that could have been treated in a doctor’s office or clinic often received treatment in an emergency room because of further health complications.
However, this situation has changed with passage of the Affordable Care Act, also known as Obamacare. Obamacare is designed to reduce the price of health insurance by offsetting premiums through advanced tax credits. This is based on the estimated income of a household during the coming year.
To determine eligibility, a person must submit an application through a health insurance marketplace. Ordinarily, this is handled through a branch of the federal government. However, in some cases, it is administered at the state level. Under the Affordable Care Act, even patients with preexisting medical conditions are eligible for coverage.
How Insurance Agencies Fit into the Equation
Even when insurance is obtained through a federal or state marketplace, the policy is provided by an insurance agency. After obtaining a plan through the marketplace, the relationship of the policyholder to the insurance agency is the same as with any other insurance plan. The policyholder deals directly with the insurance agency when paying premiums or filing claims.
Because of the above-described relationship, San Diego insurance agencies are an excellent source of information and can provide guidance to an individual or family who wants to obtain coverage through the Affordable Care Act. Agencies often have details and price options not included in marketplace information and are more than happy to share that information.
If you have further questions about the Affordable Care Act, the insurance experts at American Tri-Star are here to help. In addition to health insurance, we also offer San Diego cheap car insurance, as well as motorcycle, homeowners, and commercial insurance. Call us today at 619-272-2100 to speak with one of our qualified representatives and get a free quote.