Individuals and Families
Castle Group Health has a wide selection of health insurance plans for every age and budget – you can purchase online today and be covered tomorrow.
Things to consider when purchasing health insurance.
If you have questions, one of our on-site expert consultants would be happy to provide FREE guidance. Give us a call at 877.559.8100!
FAQ’s on Health Insurance
And the Marketplace
The Marketplace (also referred to as an “Exchange”) is where you can purchase health insurance (Obama Care). These plans are considered comprehensive and contain the essential health benefits (see below) as established under the Affordable Care Act (ACA) law. Coverage is guaranteed regardless of any pre-existing condition and you may be eligible for a subsidy (premium tax credit) to help off-set high premiums. The essential benefits are:
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Prescription Drug
- Mental health services
- Addiction services
- Rehabilitative services
- Pediatric services, including dental and vision
- Preventative, wellness, disease management
Currently, most people are not required to purchase health insurance. The ACA “shared responsibility payment” and the individual mandate has been eliminated by the Trump Administration for 2019 and beyond. However, some states have established their own individual mandates, so you still may be subject to your specific state tax penalty, if any. Click here for more information on states that charge a penalty for no coverage
On or off the exchange, it’s important to know that you can only purchase Obamacare (traditional health insurance) during the annual open enrollment which is November 1 to December 15th of each year, or unless you qualify for the special enrollment period. Missing this time frame means you’ll have to wait until the next year to buy your coverage. IMPORTANT enrollment dates for individuals residing in Pennsylvania only. The enrollment dates are slightly different for this exchange and run from November 1 to January 15th of each year.
Why Get Covered?
As healthcare costs continue to sky-rocket, why go without coverage and run the risk of financial ruin should you or a family member suffer an expected illness or accident. Most personal bankruptcies, (nearly 70%) are caused by illnesses and accidents leaving individuals unable to work and strapped with medical bills.
Non-ACA alternatives such as Short Term Health Insurance, and/or a Shared Ministry plan, will cost you a lot less than an unsubsidized major medical plan and can protect your finances so you can focus on your health and getting better. However, keep in mind some of these plan have limitations and in some cases, do not cover certain and/or preexisting conditions.