Health Insurance Quotes in Jacksonville
There are over 80 health insurance plans available in Jacksonville, FL and more and more people are getting health coverage. According to the latest report, the percentage of residents that do not have health insurance has dropped to 13.4% in Duval County.
If you’re planning to enroll in an individual or family health insurance plan, it may be because:
- You are not insured by your employer
- You don’t have Medicare
- You own a small business
- You’re self employed
- You are not included in your spouse’s insurance plan
- Your health care needs have changed
- You want to get a health coverage for your spouse and/or dependents
How Much Does Health Insurance Cost in Jacksonville?
You can get health insurance quotes in Jacksonville by contacting private insurance providers or the state’s health insurance exchange. Insurance brokers can also provide you with quotes from various insurance companies so you can compare their plans and costs.
Generally speaking, the cost of health plans vary based on factors such as your age, where you live, tobacco use, and the number of people in your family. Insurance companies are not allowed to charge you more based on your sex or any pre-existing health condition.
There are several types of health insurance plans sold by private companies and co-ops. But the coverage can be any of four types: platinum, gold, silver and bronze. These metal level plans cover the same benefits (standardized Obamacare benefits and the additional benefits exclusive to residents in Florida). They only differ in terms of how much you and your insurance provider will pay toward the cost of your treatment and health care services. Healthy individuals under 30 can also apply for a “catastrophic plan” which has lower premiums but also offer less coverage. You can get a health insurance quote in Jacksonville to see what category would best suit your needs.
Within the metal levels, you can choose from the following plan types:
1. HMO – With this type of health insurance plan, you can only get treated by doctors who are part of the plan’s network except during a medical emergency. If you opt to get treated by a doctor outside the network, you will pay the full cost of care. If you need to see a specialist, you’ll need a referral from your PCP.
2. PPO – With this type of plan, you can see doctors outside of your plan’s network but for an extra cost. You also do not need to get a referral from your PCP before you can see a specialist.
3. POS – You are allowed to see medical providers or go to a hospital of your choice at an additional cost. If you need to see a specialist, you’ll have to get a referral from your PCP.
4. EPO – You’re limited to hospitals and medical care providers that are part of your plan’s network except during a medical emergency. However, you are not required to get a referral from your PCP.
When choosing a plan, you also need to consider other insurance costs like co-pay, deductible and co-insurance. Co-pay is the pre-determined amount you’ll pay for a service like visits to your doctor. A deductible is the amount you have to pay out of pocket before your coverage applies, and finally co-insurance is the percentage of costs you’ll pay out of pocket for a health care service. Obtain a health insurance quote in Jacksonville today to see what amounts you qualify for.
How to Get Cheaper Health Insurance Premiums
Low to middle income families and individuals may be eligible for premium tax credits to reduce their monthly payments. Cost sharing reductions also lower out-of-pocket expenses. A tax credit is based on your income level and is available to those whose income is between 100% - 400% below the Federal Poverty Level. It may be paid as a lump sum when you file your taxes or it can be paid in advance to the insurance company.
On the other hand, you may also qualify for cost-sharing reduction, which is available to those who enroll in Silver plans and have incomes between 100% to 250% of the Federal Poverty Level.
You can also check this page to see if you’re eligible for Medicaid in Florida.
Health insurance coverage is something that every person should have. Not having a health plan will not only lead to high Obamacare penalties, but it also prevents you from getting the health care you need. The cost of medical treatment and preventive services get more expensive every year, and without coverage, you could end up in a major financial crisis or worse, not get treated at all.
Compare our health insurance quotes in Jacksonville to find affordable health insurance.