Health care coverage, or health insurance, helps pay your medical bills when you seek medical care. The right health care coverage for you and your family can make a huge difference. Everyone will need medical care at some point. Health care coverage can protect you from unexpected expenses. You can visit the doctor when you need to. In short, it can improve your life and your family’s life.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.
Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents
Health insurance protects you from unexpected, high medical costs.
You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.
If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the penalty that people without coverage must pay.
Most Oregonians can enroll in either private health insurance through HealthCare.gov or free or low-cost coverage through the Oregon Health Plan (Medicaid). All Oregonians can apply for coverage, and no one can be denied coverage because of a pre-existing health condition.
Free or low-cost coverage is available to people who meet requirements for income, household size, and other factors. Adults and children who qualify will be enrolled in the Oregon Health Plan, Oregon’s Medicaid program. Coverage through the Oregon Health Plan includes doctor visits, hospital care, mental health services, and more.
Many of the top insurance companies in Oregon offer health insurance plans through HealthCare.gov, where you can browse, compare, and purchase a plan. All plans available include comprehensive health benefits and have been certified by the Oregon Insurance Division. Many people who qualify for private health insurance will also qualify for a tax credit to help pay for coverage. Learn more about financial assistance.
Medicare is the health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those who have disabilities and those who have permanent kidney failure. The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care. You have choices for how you get Medicare coverage
We know that life events happen and with these events come changes, sometimes unexpected. Our agents at Abel Insurance Agency can assist you in how these changes can impact your health insurance. Please remember to contact AIA if you move, have a job change or need to update your contact information such as phone number or email address. Read more about Qualifying Events.
If you’re eligible for the Oregon Health Plan or Healthy Kids, you won’t need a qualifying event to enroll as you will be able to enroll anytime throughout the year.
Those who are eligible for the Oregon Health Plan (OHP) can enroll year round, though they may be subject to the federal tax penalty for not having health insurance if they did not apply by April 30.
While IRS Form 8962 outlines repayment limits for excess Advance Payment of the Premium Tax Credit, please remember that if your income exceeds 400% of the Federal Poverty Level (FPL) there is no repayment cap. Please keep the following amounts for reference in 2015 and notify your agent immediately if you are receiving tax credits and you think you may exceed these amounts:
|Household Size for Tax Purposes||Income Max for Tax Credits|
**Please contact your agent @ AIA if you need to set up an account on healthcare.gov so we can assist with linking your application to your account.**
Assistance from a licensed agent is complimentary. If self enrolling, please reference your agent's FFM ID and National Producer Number (NPN) - Click Here to locate AIA Agent FFM ID & NPN Numbers
Utilizing an agent does not constitute a financial cost to you, the consumer. The price you pay for health insurance coverage is the same with or without the assistance of a Certified Affiliated Agent, so why not let the Certified Agents at Abel Insurance take your healthcare pain away?