什麼是國家健康保險交易所？
什麼是國家健康保險交易所？
 A health insurance exchange is a government-run marketplace where people can buy health insurance plans. You have plans choices available that are on the exchanges and off the exchanges. The key difference is the subsidies. You can only get a subsidy if youre buying your coverage on an exchange they cannot be used towards plans purchased off the exchange. An advantage of buying a plan off the exchange is you will generally have more choices available for you to choose from. The same plan that is offered on the exchange and off the exchange may have some differences as well. Plans that are on the exchange may have more regulations, therefore requiring they feature additional benefits directly through the plan as opposed to needing a separate stand alone policy to provide the supplemental benefit (e.g. vision care, dental care, etc.) off the exchange plans may not be subject to the same standards. Off the exchange plans must still meet the requirements of the Affordable Care Act (including offering the 10 essential health benefits). Its important to remember than not every plan that is offered off the exchanges will be available on the exchanges. Carriers reserve the right not to offer coverage on the exchanges. Thus, some states may have numerous plan selections for consumers where others may have limited choices. Also, not every type of health insurance plan is available on the exchanges short term policies and large group policies are not offered on exchanges at this time. There's a lot of moving parts to health insurance and given the issues that have occurred with the new healthcare system rollout, it's highly recommended you work with an experienced health insurance broker to make sure everything is in good order for your program. I hope the information is helpful - please feel free to contact me for help or if you have any other questions. Thanks very much.
問答
保險問答 多語言問答