The Affordable Care Act requires that individuals and families have a medical health plan that provides Minimum Essential Health Benefits EHB.  These plans are offered via either state or federally operated marketplaces.   

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10 Minimum Essential Health Benefits that plans must have are:

• Preventative services

• Emergency Services

• Hospitalization

• Ambulatory Services (outpatient care)

• Pregnancy, Maternity, and Newborn care

• Mental Health and Substance Use Disorder Services

• Laboratory Services 

• Rehabilitative and Habilitative Services

• Pediatric Care Services

• Prescription Plan

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The ACA plans are categorized into four levels of plans:

• Gold

• Silver

• Bronze

• Catastrophic

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Types of Plans:

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PPO (Preferred Provider Organization)

A PPO is a type of plan that offers the flexibility of using providers that are outside of the plan's network.   The trade-off for this flexibility is higher premiums and/or higher out-of-pocket costs for out of network providers.

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HMO

A Health Maintenance Organization is a type of plan where your healthcare is managed or facilitated by a primary care physician thru a network of approved specialists and providers.  Seeing specialists or providers outside the network for non-emergency services are typically not covered.

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Our Advisors are certified by the Federally Facilitated Marketplace (FFM) and will perform the following services for you:

• Explain the type of plans that are available to you.  ​

• Match the available plans with your doctors and pharmacies.

• Assist you with your determining your eligibility and credits available to you.

• Guide you through the enrollment process and help answer questions.

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Our Individual and Family carriers are:

• Ambetter

• Anthem Blue Cross Blue Shield

• Blue Cross Blue Shield Illinois

• Bright Health Plan

• Cigna

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