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Better-Financial-Future
  • Home
  • Life Options
    • Term Life
    • Whole Life
    • Final Expense
    • Universal Life
    • Indexed Universal Life
    • Annuities
  • Services
    • Health Insurance
    • Medicare Insurance
    • Travel Insurance
    • Worksite-Benefits-Solutions
    • Real Estate
  • Contact
  • More
    • Home
    • Life Options
      • Term Life
      • Whole Life
      • Final Expense
      • Universal Life
      • Indexed Universal Life
      • Annuities
    • Services
      • Health Insurance
      • Medicare Insurance
      • Travel Insurance
      • Worksite-Benefits-Solutions
      • Real Estate
    • Contact

Health Insurance

Health Insurance Marketplace

If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage, you can find coverage through the Marketplace.

Marketplace Health Insurance

Marketplace Health Insurance

Open Enrollment is November 1-January 15

  • Enroll by December 15 for coverage that starts January 1
  • Enroll by January 15 for coverage that starts February 1

Outside the yearly Open Enrollment, you can get coverage or change plans only if you:

  • Have a life change or income that qualifies for a *Special Enrollment Period.

  • Qualify for Medicaid or the Children's Health Insurance Program (CHIP). You can enroll any time of year and coverage can start immediately. Learn more about these programs.

*Special Enrollment Period: A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. 

Most people qualify for savings

Depending on your expected household income for the year, you may qualify for:
  • Lower costs for your Marketplace plan, like the premium tax credit that lowers your monthly plan premium, and for extra savings on out-of-pocket costs like deductibles, copayments, and coinsurance. 
  • Coverage through Medicaid or CHIP. Your children may qualify for CHIP, even if you don't qualify for Medicaid.

All Marketplace plans cover:

  • *10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
  • Free preventive health services at no cost to you when delivered by a doctor or provider in your plan's network
  • Coverage for pre-existing conditions
*10 essential health benefits: Ambulatory patient services (outpatient care you get without being admitted to a hospital) Emergency services Hospitalization (like surgery and overnight stays) Pregnancy, maternity, and newborn care (both before and after birth) Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy) Prescription drugs Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills) Laboratory services Preventive and wellness services and chronic disease management Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits) 

Looking for coverage other than Marketplace? You have options!

Short Term Medical

Indemnity Medical

Learn More >>

Learn More >>

Learn More >>

Call or Text: (904) 878-0205

Email: kelly@better-financial-future.com


We do not offer every plan available in your area. Products and plan features may not be available in your area.Products and plans are not a deposit, not FDIC or NCUSIF insured, not guaranteed by the institution, not insured by any Federal Government Agency and may lose value. This website if intended for U.S. use only. This information is provided for information purposes and is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Clients should consult financial, tax and legal advisors regarding their personal circumstances. We do not provide financial, tax or legal advising services.
Not affiliated with the U.S. Government or Federal Medicare Program.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY-711 users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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