Obamacare: Affordable Health Insurance | UNIVISTA INSURANCE

⚠️IMPORTANT NOTICE⚠️ Obamacare 2021 Inscription Period Ends December 15!

This is a key opportunity, happening once a year for just 45 days.

Sign Up Today! For the Obamacare Health Program 2021.



Why choose Univista for Obamacare?

 

At UniVista Insurance we have hundreds of agents ready to help you identify and maximize the amount of subsidy you qualify for, in order to lower your monthly premiums as much as possible.

Our goal is to determine if you qualify for government financial assistance, and we have all the resources necessary to help you access it.

Affordable Health Insurance

Tips for Finding Affordable Health Insurance

Currently the most affordable health insurance that exists in the market is offered by Obamacare through the Marketplace, why? Because through the Insurance Market, according to family income, you can qualify for a subsidy, a financial aid from the government, through which you will pay the minimum premium for health insurance, a health insurance that will cover practically everything from the medical point of view you may need at any scale, from visits to the doctor, specialists, labs, outpatient surgeries or any type of hospitalization, medical emergencies, emergency rooms. These health insurance that are in the Market are those that are qualified by law, and it is the only legal way to obtain health insurance in the country.

UniVista Insurance has hundreds of agents licensed and technically prepared to guide people to obtain the best subsidy according to their annual income and family size, and therefore, pay the minimum for insurance and have a plan that fits your needs. UniVista Insurance has these agents, call (305) 964-8803, one of them will help you get what you need.

Why is it Important to get Health Insurance during the Obamacare Period?

As this is a key opportunity, which happens once a year for 45 days, we will try to answer the most frequently asked questions related to Obamacare.

Is Obamacare Health Insurance?

No, it is a law that guarantees quality affordable health plans, subsidized by the federal government, to all those eligible.

Do I have to be poor to be eligible for Obamacare?

No, the household of the eligible person must enter from 100% of the poverty level up to a maximum of 400%. For example, in the case of Florida, a single person must earn from $ 12,760 to $ 51,040 and a household of 4 people must earn from $ 26,200 to $ 104,800, per year. For the poor, there are other programs, such as Medicaid.

What does a quality health plan mean?

That insurance under Obamacare must meet certain standards and cover certain benefits that ensure that the subsidized person has the same health guarantees as one who pays 100 percent for a private health plan.

When can I sign up?

Every year, a registration period opens that runs from November 1 to December 15.

If I have a health insurance plan under Obamacare, should I watch the enrollment period?

Yes, because you can take advantage of that temporary opportunity to switch to a plan that best suits your needs. For example, if you are a healthy person, you can take advantage of and enroll in a plan with lower premiums.

When does the new plan’s coverage start?

The new plan starts from January 1, 2021, and will cover you during the year.

What happens if I don’t enroll during the Obamacare enrollment period?

Most likely, you will miss out on having subsidized insurance. And to have health insurance, you have to turn to truly expensive health insurance with fewer benefits than those that work under Obamacare.

What do I need to do to enroll in Obamacare?

Just pick up your phone and call Univista Insurance.

How to “qualify” for Obamacare?

Every year, the federal government updates the income limits of individuals or families to be able to qualify for the subsidized health insurance market during the enrollment period, created under the Patient Protection and Affordable Care Act, known as Obamacare.

In this way, it establishes both the minimum and maximum income so that a person or a family unit can enjoy the benefits of a subsidized health insurance plan.

The income range is set from the poverty level indicated each year, in January, by the Department of Health and Human Services (HHS). Said Department established, in January 2020, that a single person, without dependent children, who earns an annual salary of $ 12,760, is 100% poor. Which means you can access the subsidized health insurance marketplace, known as Obamacare.

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When can I enroll in Obamacare 2021?

When can I enroll in Obamacare 2021? The enrollment process for next year’s Obamacare health insurance plans began on November 1 and runs through Tuesday, December 15, 2020. It’s only for 45 days.

If you don’t rush to call Univista Insurance, you miss out on buying cheap, government-subsidized health insurance for the next year. Unless you meet the requirements that allow you to enroll in a special enrollment period, such as having moved house, losing your job, having a child born or adopting, or changing your marital status.

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Can I buy life insurance if I have a pre-existing condition?

Can I buy life insurance if I have a pre-existing condition? A common misconception is that people with pre-existing conditions cannot have life insurance. Insurers, before insuring a person with health problems, naturally, would prefer a young person, full of life, who is paying her policy for many years and never dies.

But that is not possible, which means that the former can also have life insurance.
It happens that the so-called pre-existing conditions such as cancer, asthma, depression, diabetes, epilepsy, hypertension, high cholesterol, AIDS, heart disease, or obesity influence the price of the policy premium.

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Obamacare: Platinum, Gold, Silver, or Broce, which plan do I choose?

Obamacare: Platinum, Gold, Silver, or Broce, which plan do I choose? The advantage of having health insurance under Obamacare is that it guarantees high-quality, subsidized health care at our pocket level.
However, understanding health plans under Obamacare is a bit tricky. It is best to always go to a Univista Insurance specialist for guidance on how to buy the right health plan or make a change for a better one.

Within the subsidized medical plans there is a scale of four categories: Bronze, Silver, Gold, and Platinum, which describe the portion of the cost that the beneficiary pays when receiving treatment.

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Is it possible to have Obamacare in Spanish?

When we emigrate, learning the language of the host country guarantees us better jobs and higher incomes. The Hispanics who emigrate to the US make great efforts to get out of the language bubbles and thus reach further and further professionally. So we try to communicate all the time in English.

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Ten Reasons to Enroll in Obamacare

The Affordable Care Act (ACA), popularly known as Obamacare, provides people with modest incomes with quality health insurance subsidized by the federal government. To do this, it created a health insurance market in which it obliges the insurance companies that participate in it to provide the patient with a minimum of ten essential benefits.

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Is it Convenient to Renew?

The enrollment period for Obamacare 2021 begins on November 1. Many of those enrolled in the marketplace medical plans have already begun to receive notifications to renew their policies automatically. It is a very comfortable option since there is practically nothing to do. But it may not be the most beneficial for you and your family.

Although your medical plan maintains the same price and the same conditions, it happens that every year around these dates new insurance providers can enter the market. And these companies could bring better conditions and better prices.

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Obamacare allows you to insure your children up to age 26

The pandemic has subjected many families to great financial stress. There are young children who had become independent and now have had to return to their mother’s home, after losing their jobs. Others have lost purchasing power, and although they continue to live independently of their parents, they need insurance cheap doctors to protect their health and they cannot reach it.
Parents suffer the anguish of their children. Above all, because they are unaware that Obamacare insurance plans allow their children to be included again, as long as they are under 26 years of age.

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Obamacare: great evils great remedies

Roberto Martínez had to close his small clothing store. The coronavirus, confinement, and business closures left him without a clientele. Although he got federal aid, it was only enough to pay his rent and debts with suppliers. So he decided to cut his losses and dedicate himself to something else. He closed the store his family had lived in for the past ten years.

His wife, María Pérez, immediately found work in a supermarket, while Roberto was placed as an assistant to a truck driver. “I have to do whatever it takes to put a plate of hot food on my children’s table,” Roberto is heard saying, with some resignation but determined to take the world by storm.

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Obamacare: Why are pre-existing conditions

You could have a pre-existing condition without knowing it and could be forced to pay more for your health insurance if it weren’t for this law that protects your health and your pocketbook.

Pre-existing conditions have been very present in the electoral debate. The Democratic candidate accuses his opponent of wanting to eliminate them along with Obamacare, while the Republican candidate defends himself and promises that he would guarantee them.

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Enroll Now for Obamacare!

From last November 1 to December 15, the registration period for medical insurance was opened under the federal law known as Obamacare. Obamacare is not health insurance, it is a law that regulates the aspects that health insurance must include being considered affordable for the population.

This law regulates access to primary care, specialists, hospitalization, emergencies, laboratories, medical tests, care for pregnant women, and, most importantly, removes the obstacles of pre-existing diseases. This last point is very important. Before the existence of this law, people with chronic diseases who purchased health insurance had to wait two years for the policy to cover it. Diseases such as cancer or cardiovascular disease fell into this category. It was painfully paradoxical that, despite paying for insurance, their policies excluded the beneficiary’s worst ailment for two years.

Enroll Now for 2021 Health Coverage! Opportunity for low-income people
For people with low and moderate incomes, Obamacare is a unique opportunity for quality health insurance subsidized by the government. With this law, policyholders can buy good health insurance at a very low price and get all its benefits.

Contact our Univista Insurance agents 305-964-8803 and let them know that you want to take advantage of the benefits that Obamacare provides.

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