Park City, UT (PRWEB) November 07, 2013
Today, Zane Benefits, the number one online small business health benefits solution, published new information on preparing for health reform.
According to Zane Benefits’ website, health reform has the biggest impact on Americans without health insurance and those who purchase health insurance on their own.
Starting in 2014, new coverage options become available through the health insurance exchanges. Individual plans will be guaranteed-issue and there will be health insurance discounts available to eligible employees through the exchanges.
The process begins with personal information to determine subsidy eligibility.
Go to your state-specific health insurance exchange website to create an account, view available plans, and begin the enrollment process.
The website will show available plans, with the price (discounted if eligible).
To make comparison easy, the insurance plans are categorized on a "metallic" sliding scale - Platinum, Gold, Silver and Bronze. These levels represent how much coverage the plan will provide - the more coverage, the more expensive.
Within each category, many states will offer multiple plans to fit individual needs. For example, plans categorized as Silver may have different combinations of deductibles, co-insurance, out-of-pocket maximums, and co-pays.
The cost of the plan will also vary by location, age, carrier, and tobacco usage.
The first enrollment period is now through March 2014
Copyright©2012 Vocus, Inc.
All rights reserved