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Under 65 Health Insurance
Health insurance is critical to affording health care in America. If you are under age 65, you are likely ineligible to join Medicare. Therefore, you must look to other providers for the coverage you need. Here are some insurance options for people under age 65.
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Retiring Before Age 65
If you are planning to retire before age 65, you’ll need an alternative to Medicare until you reach the required age. Your options include public benefits like Medicaid or another plan purchased from a private insurance company. Private insurance plans can be found on the Health Insurance Marketplace, making it easy to find the coverage you need.
Marketplace Insurance
Marketplace insurance refers to any insurance sold via one of the many health insurance exchanges that are available to Americans. When you are shopping for Marketplace coverage, you’ll notice that all plans cover essential health benefits, pre-existing conditions, and preventive services. If you qualify, you can also receive tax credits that lower your premium costs, saving you money.
Essential Health Benefits
Marketplace insurance coverage is required to have ten categories of essential health benefits. These benefits are required by the Affordable Care Act, which made improvements to the overall U.S. healthcare system. The essential health benefits required by law are:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Pregnancy, maternity, and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
Some Marketplace plans also include additional benefits like birth control or breastfeeding coverage. Plans may also offer dental coverage, vision coverage, or medical management programs, such as weight management or diabetes management.
Find Marketplace Coverage
Marketplace coverage is easy to find, but do you know exactly what to look for? When trying to find the best rates on coverage, it can be difficult to do all the searching on your own. To have an agent compare plans with you, please contact Insured For Life today!
