Family Health Plans
At Promise Insurance Services we make helping you find a great health insurance plan to cover you and your family our top priority. As licensed insurance brokers we can help guide you through the process of finding a plan, making it quicker and easier than ever to find an affordable policy with comprehensive coverage to protect you and your family.
Affordable plans for everyone
Thanks to the Affordable Care Act you no longer need to worry about finding affordable health insurance plans. The ACA helps ensure that not only are premiums kept low but also that the majority of your premium costs will go towards ensuring that you receive great care.
Affordable plans to cover the whole family
We know how important it is that you have access to the best coverage for your family, and now thanks to the Affordable Care Act you’ll be able to choose from a wide range of affordably priced plans. In addition, not only are the premiums regulated to ensure costs are kept low but insurers must also spend the majority of your premiums on paying for and improving care services, ensuring you have access to quality care.
Guaranteed Enrollment
No matter what your age or current health status there’s a wide choice of plans available to choose from. The Affordable Care Act prohibits insurers from denying you coverage due to you or your family’s present or past health status. This means that you are guaranteed to be approved for a family health insurance plan and you and your family will be covered for all existing health problems.
Coverage at the level you want
There is a wide variety of health insurance plans available for family coverage. From plans designed to keep premiums as low as possible, to those that offer a higher-level coverage to minimize your out-of-pocket costs—there’s a plan that will provide the perfect balance of cost and coverage for every family. To ensure that each plan provides thorough protection, the Affordable Care Act outlined minimum levels of care that must be covered. This means that any plan you choose, no matter the level, will cover your family’s basic healthcare needs.
Plans come in four main metal levels:
BRONZE:
Pays around 60% of healthcare costs
SILVER:
Pays around 70% of healthcare costs
GOLD:
Pays around 80% of healthcare costs
PLATINUM:
Pays around 90% of healthcare costs
People under 30, or with hardship exemptions may also opt for a Catastrophic level plan. Even though plans will cover a set level of your healthcare costs the coverage costs for specific areas of care can vary greatly. When comparing quotes it’s important to check the plan details carefully.
Get help with premium costs
Families with household incomes between 100 and 400 percent of the Federal Poverty Level may be eligible for subsidies to help lower the cost of their monthly premiums. Additionally, households with low-income levels may also be eligible for a reduction in the cost-sharing levels of a plan. Promise Health Insurance can check to see if you qualify for either of these cost reduction options.
Enroll today
Open Enrollment is here, request a quote today or speak to one of our agents directly to find a great plan to cover your family.