Welcome to Health Insurance 101 : Your Guide to

Understanding ACA

What is the

Affordable Care Act?

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health care reform law enacted in March 2010. It aims to make affordable health insurance available to more people, expand the Medicaid program, and support innovative medical care delivery methods to lower health care costs. Under the ACA, millions of previously uninsured individuals now have access to quality health care.

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Welcome to Health Insurance 101: Your Guide to

Understanding ACA

Navigating ACA can be complex, but we're here to help. Our comprehensive 'Health Insurance 101' presentation will provide you with the essential information you need to make informed decisions about your healthcare coverage.

Ready to take the next step?

Our expert agents are here to answer your questions and help you navigate your ACA options. Schedule a one-on-one meeting with one of our agents at your convenience.

What is the Affordable Care Act?

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health care reform law enacted in March 2010. It aims to make affordable health insurance available to more people, expand the Medicaid program, and support innovative medical care delivery methods to lower health care costs. Under the ACA, millions of previously uninsured individuals now have access to quality health care.

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Who Qualifies?

To be eligible to enroll in health coverage through the Health Insurance Marketplace, you must:

Live in the United States
Be a U.S. citizen or national (or be lawfully present)

Not be incarcerated

There is no income limit to use the Health Insurance Marketplace. Special patient protections under the ACA ensure that insurers cannot refuse coverage based on gender or a pre-existing condition, there are no lifetime or annual limits on essential health benefits, and young adults can stay on their family's insurance plan until age 26.

How to Enroll in a

Health Insurance

Marketplace Plan

Enrollment in a Health Insurance Marketplace plan can be done during the annual open enrollment period or a special enrollment period triggered by life events like moving or having a baby. Here’s how to get started:

1. Fill out the form at the bottom of the page

2. Schedule an appointment to review and choose a plan

During the enrollment period, you can:

Choose a plan for the first time
Continue with your current plan

Make changes to your current plan

Choose a new plan to replace your current one

Note: If you experience a life event or your household income is below a certain amount, you may qualify for a special enrollment period.

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Who Qualifies?

To be eligible to enroll in health coverage through the Health Insurance Marketplace, you must:

Live in the United States
Be a U.S. citizen or national (or be lawfully present)

Not be incarcerated

There is no income limit to use the Health Insurance Marketplace. Special patient protections under the ACA ensure that insurers cannot refuse coverage based on gender or a pre-existing condition, there are no lifetime or annual limits on essential health benefits, and young adults can stay on their family's insurance plan until age 26.

How to Enroll in a

Health Insurance

Marketplace Plan

Enrollment in a Health Insurance Marketplace plan can be done during the annual open enrollment period or a special enrollment period triggered by life events like moving or having a baby. Here’s how to get started:

1. Complete this form or schedule a consult with a health insurance advisor

2. Complete an application yourself and get enrolled.

During the enrollment period, you can:

Choose a plan for the first time
Continue with your current plan

Make changes to your current plan

Choose a new plan to replace your current one

Note: If you experience a life event or your household income is below a certain amount, you may qualify for a special enrollment period.

Schedule Your Free Consultation

Types of Plans

The Health Insurance Marketplace offers a range of plans categorized into four metal tiers: Bronze, Silver,

Gold, and Platinum. Each tier represents a different level of cost-sharing:

Bronze Plans

Lowest premiums

Highest out-of-pocket costs

Suitable if you want to pay lower premiums but higher costs when you need care

Silver Plans

Moderate premiums and out-of-pocket costs

Eligible for extra savings if you qualify for cost-sharing reductions

Gold Plans

High premiums

Low out-of-pocket costs

Ideal if you expect to need frequent care

Platinum Plans

Highest premiums
Lowest out-of-pocket costs

Best if you need a lot of care and can afford higher monthly premiums

More Options...

Preferred Provider Organization (PPO) Plans

PPO plans offer flexibility in choosing healthcare providers. You can see any in-network provider without a referral, but out-of-network care will cost more.

Point-of-Service (POS) Plans

POS plans combine features of HMO and PPO plans. You need a referral from a primary care physician to see specialists, but you can receive care out-of-network at higher costs.

Health Maintenance Organization (HMO) Plans

HMO plans require you to use in-network providers and get referrals from a primary care physician. These plans typically have lower premiums and out-of-pocket costs.

Exclusive Provider Organization (EPO) Plans

EPO plans only cover in-network care except in emergencies. No referrals are needed to see specialists, making them more flexible than HMOs but without out-of-network benefits.

Types of Plans

The Health Insurance Marketplace offers a range of plans categorized into four metal tiers: Bronze, Silver,

Gold, and Platinum. Each tier represents a different level of cost-sharing:

Bronze Plans

Lowest premiums

Highest out-of-pocket costs

Suitable if you want to pay lower premiums but higher costs when you need care

Silver Plans

Moderate premiums and out-of-pocket costs

Eligible for extra savings if you qualify for cost-sharing reductions

Gold Plans

High premiums

Low out-of-pocket costs

Ideal if you expect to need frequent care

Platinum Plans

Highest premiums
Lowest out-of-pocket costs

Best if you need a lot of care and can afford higher monthly premiums

More Options...

Preferred Provider Organization (PPO) Plans

PPO plans offer flexibility in choosing healthcare providers. You can see any in-network provider without a referral, but out-of-network care will cost more.

Point-of-Service (POS) Plans

POS plans combine features of HMO and PPO plans. You need a referral from a primary care physician to see specialists, but you can receive care out-of-network at higher costs.

Health Maintenance Organization (HMO) Plans

HMO plans require you to use in-network providers and get referrals from a primary care physician. These plans typically have lower premiums and out-of-pocket costs.

Exclusive Provider Organization (EPO) Plans

EPO plans only cover in-network care except in emergencies. No referrals are needed to see specialists, making them more flexible than HMOs but without out-of-network benefits.

More Info

Important Questions

What Should I Budget for Health Insurance?

You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.

Can I Work with My Preferred Doctor?

Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.

Prescription Drug Needs

Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.

I Need Help Paying for Health Insurance

Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.

How do I Sign Up?

For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.

More Info

Important Questions

What Should I Budget for Health Insurance?

You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.

Can I Work with My Preferred Doctor?

Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.

Prescription Drug Needs

Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.

I Need Help Paying for Health Insurance

Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.

How do I Sign Up?

For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.

Get Enrolled in Less Than 10 Minutes by Completing the Form Below

We will choose the best plan available, that fits your needs. Before we submit your enrollment, we send you the plan, the carrier, and what the premium will be.

(This form is secure and your information is not shared or sold)

First Name *

Last Name *

Phone *

Email *

I agree to terms & conditions provided Colton Lewis Healthcare. By providing my phone number, I agree to receive text messages and phone calls from the business.

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Address

Street Address *

City *

State *

Country

Postal code *

Gender *

Date of birth *

Social Security Number (Not required, but will help enrollment go smoother if provided)

Employment Status *

Employer Name *

Your Estimated Annual Income *

Total Estimated Household Income (Verified by Healthcare.gov) *

Are you currently on Medicare or Medicaid *

Do you currently have health insurance? *

Do you have a Primary Care Physician (Doctor) that you want to keep? *

Physician Full Name *

Name of Physician's Practice *

Physician's Practice Address *

Please Select your Marital Status *

Please enter your Spouse's First Name *

Please enter your Spouse's Last Name *

Please select your Spouse's Gender *

Please select your Spouse's Income *

Please select your Spouse's Date of Birth *

Spouse SSN

Do you wish to enroll your Spouse? *

Do you have tax dependents (typically children)? *

Number of Tax Dependents *

Enter Tax Dependent's information below

First Name *

Last Name *

Date of Birth *

Dependent Social Security Number

Do you wish to enroll this dependent as well? *

Enter Tax Dependent's Information Below

First Name *

Last Name

Date of Birth

Dependent Social Security Number

Do you wish to Enroll this dependent as well? *

Enter Tax Dependent's Information Below

First Name *

Last Name *

Date of Birth *

Dependent Social Security Number

Do you wish to enroll this dependent as well? *

Enter Tax Dependent's Information Below

First Name *

Last Name *

Date of Birth *

Dependent Social Security Number

Do you wish to enroll this dependent as well? *

Enter Tax Dependents Information Below

First Name *

Last Name *

Date of Birth *

Dependent Social Security Number

Do you wish to enroll this dependent as well? *

Consent

I give my permission to Colton Lewis to serve as the health insurance agent or broker for myself and my entire household if applicable, for purposes of enrollment in a Qualified Health Plan offered on the Federally Facilitated Marketplace. By consenting to this agreement, I authorize the above-mentioned Agent to view and use the confidential information provided by me in writing, electronically, or by telephone only for the purposes of one or more of the following:

1. Searching for an existing Marketplace application;

2. Completing an application for eligibility and enrollment in a Marketplace Qualified Health Plan or other government insurance affordability programs, such as Medicaid and CHIP or advance tax credits to help pay for Marketplace premiums;

3. Providing ongoing account maintenance and enrollment assistance, as necessary; or

4. Responding to inquiries from the Marketplace regarding my Marketplace application. I understand that the Agent will not use or share my personally identifiable information (PII) for any purposes other than those listed above. The Agent will ensure that my PII is kept private and safe when collecting, storing, and using my PII for the stated purposes above.

I confirm that the information I provide for entry on my Marketplace eligibility and enrollment application will be true to the best of my knowledge. I understand that I do not have to share additional personal information about myself or my health with my Agent beyond what is required on the application for eligibility and enrollment purposes.

I understand that my consent remains in effect until I revoke it, and I may revoke or modify my consent at any time by emailing [email protected]

I, COLTON LEWIS, a licensed and experienced health insurance agent, hereby provide this attestation to acknowledge your agreement to the contents outlined below. By affixing your signature below, you respectfully request me or my agency affiliates to enroll both yourself and/or your family in the most suitable zero premium ACA plan available.

Please note that if there are no zero premium health plans available in your area based on the provided information, we will inform you of the available plans and seek your consent before proceeding with enrollment.

In addition to enrolling you in the optimal ACA plan, you authorize me or my agency to access your healthcare.gov account and submit the necessary information as required, in accordance with the details provided.

By signing below, you acknowledge the following:

You agree to the terms and conditions outlined in this attestation.

You respectfully request my expertise or that of my agency affiliates to enroll you and/or your family in the most suitable zero premium ACA plan available.

In the event that no zero premium health plan is available in your area, you understand that we will disclose the available plans and seek your consent before proceeding with enrollment.

You authorize me or my agency to access your healthcare.gov account and submit the necessary information as required.

COLTON LEWIS, NPN: 17436889, 706-810-5933, [email protected]

Enrollment Agreement *

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