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Types of Insurance

Public Marketplace

  • Obamacare/ACA (affordable care act)

  • ​Discounts on premiums if you are low income

  • Limited to state specific networks

  • Mostly HMO or EPO

  • Best option if:

  • You have major pre-existing conditions 

  • Qualify for discounts based on income

  • Typically higher deductibles

  • Only available during Open Enrollment (Nov 1st - Dec 15th) or within 60 days of a qualifying life event (QLE)

Private Market

  • Eligibility based on health

  • Nationwide PPO networks

  • Best option if:

  • You’re relatively healthy

  • Qualify for little or no income-based discounts on the public marketplace

  • Typically lower deductibles

  • Available year-round

  • Tax advantages for business owners

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