Your Guide to Health Care Reform

Learn more about the health care reform changes
that may affect your health plan options.

 

Health Care Reform – Purchasing Guide for Individuals and Families

Use this series of questions to help better prepare you and your family for the health care reform (also referred to as the Affordable Care Act) changes that may impact your purchasing decision.

Open enrollment for major medical plans begins on November 15, 2014, and is scheduled to end on February 15, 2015.

Note: Outside open enrollment, you can only purchase an Assurant Health Major Medical plan if you have a qualifying life event (ex. loss of health insurance, marriage, birth or others) that gives you a 60-day special enrollment period.1

What options are available?

Plans with full health care reform benefits

Other health plans

What are your health care needs?

I’m healthy – I just want protection for me and my family

I need coverage for a pre-existing condition

I'm looking for Dental or other supplemental plans

Additional consideration:

What’s your budget?

Assurant Health offers Major Medical plans that meet the requirements of the Affordable Care Act (ACA).
These plans are Minimum Essential Coverage and you will not be subject to a tax penalty if you maintain coverage throughout the year.

Also, these plans are offered to everyone, regardless of health status, and include essential health benefits and other features under the health care reform law (Affordable Care Act).
Learn more about these plans
OR
Get a quote to see the plans available in your state.


Financial assistance may be available.
Subsidies (available to those that are eligible) may help lower the cost of plans purchased through your state’s Marketplace. Assurant Health can help you find out if you qualify for a subsidized plan.


Find out if you qualify - check your subsidy eligibility today, or call an Assurant Health sales expert at 800-647-9094.

Assurant Health offers other health insurance plans.
If you're not interested in purchasing a major medical plan during open enrollment, we have other plan options available. For some, Short Term Medical plans might be an option. However, these plans do not cover pre-existing conditions, are not Minimum Essential Coverage and you may need to pay a tax penalty depending on your income level and the cost of plans available in your state.

Short Term Medical plans provide coverage for “what ifs” like cancer, heart attack, unexpected accidents or injuries. Plan length can be for 30 days or up to 180 days (length of coverage available varies by state).

Learn more about these plans OR compare Short Term and Major Medical.


Additional plan offerings
If you're looking to purchase a dental or supplemental plan (coverage for accidents or critical illness), you can add these options onto many Assurant Health plans. These offerings vary by state. Learn more about our dental, accident and critical illness plans.

Choose the health insurance plan that fits your needs.

  • Major Medical insurance – available now during open enrollment: Provides coverage for everyday medical expenses, preventive and routine care, pre-existing conditions and “what ifs” like cancer, heart attack, and unexpected accidents or injuries. Get a quote to learn more.

Major Medical plans are Minimum Essential Coverage.

  • Short Term Medical insurance: Coverage provided only for “what ifs” like cancer, heart attack, unexpected accidents or injuries. Learn more.

Short Term Medical plans are not Minimum Essential Coverage.

Major Medical plans
Major medical plans cover pre-existing conditions. These plans are guarantee issue, which means that these plans provide comprehensive coverage for everyone, regardless of health status.

Your premium will not increase just because you have a pre-existing condition, and there will not be any limitations on your pre-existing conditions when you seek coverage.

Get a quote now for Major Medical plans during open enrollment (the current period lasts through February 15, 2015).

Additional plan offerings

If you’re looking to purchase a dental or supplemental plan (coverage for accidents or critical illnesses), you can add these options onto many Assurant Health plans. Learn more about our dental, accident and critical illness plans. These offerings vary by state.

Budget considerations

It’s important to consider the total cost of ownership for any plan. This includes, but is not limited to:


  • The premium (the cost to own the plan)
  • Leftover amounts not covered by your plan (ex. deductibles, coinsurance or copays for major medical plans)
  • Any applicable tax penalties

Understanding the true cost of ownership for any plan will give you a better sense of what you can afford.


Subsidized major medical plans may be available to some consumers. Find out if you qualify for a subsidy . For more information on subsidized plans, call an Assurant Health sales expert at 800-647-9094.

Make an Informed Decision

Looking to purchase a plan now during open enrollment? Get a quote now to see pricing for plans available in your state. Use the information you gathered about health care reform to make an informed purchasing decision.

If you still have questions or you’re looking for more information on subsidies:

  • Call an Assurant Health sales expert at 800-647-9094
  • Or get a subsidy estimate and find out if you qualify


Important Information Regarding Plans Offered:

We want you to understand these plans and the coverage they provide. To help you do that, it's important that you know what is covered by the plans shown here.

General summary of limitations and exclusions for the following plans(summary applies to most states where plans are offered):

For Arizona residents, state-specific limitations and exclusions pertain to the following plans:

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state. To learn more about these plans, get a quote or talk to your agent.



Is this reform information helpful? Let us know.

1Open enrollment starts November 15, 2014 for Assurant Health Major Medical plans with coverage starting January 1, 2015. Please note: In Nevada, Major Medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event outside open enrollment, your coverage will begin on the first day of the month, 90 days from the date you applied.

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Additional Reform Topics

Qualifying Life Events

Subsidy Estimator

Health Insurance Marketplace

Time for Affordability

General Reform Resources

HealthCare.gov

America's Health Insurance Plans

U.S. Department of Health & Human Services

The Henry J. Kaiser Family Foundation



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