The Health Insurance Marketplace helps you find health coverage that fits your needs and budget. Every health plan in the Arizona health insurance marketplace offers the same set of essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions, and more. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
With one application, you’ll see if you qualify for free or low-cost coverage through Medicaid or Children’s Health Insurance Program (CHIP), or for savings on a Marketplace plan. Most people who apply will qualify for some kind of savings.
Every person in the U.S. must have minimum health coverage or pay a fee
To be eligible to use the Health Insurance Marketplace, you:
• Must live in the United States
• Must be a U.S. citizen or national (or be lawfully present).
• Can’t be incarcerated.
No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace. In other states, the Marketplace is run by the federal government.
When looking for affordable Arizona health insurance, you’re obviously going to do quite a bit of searching. Health care costs seem to get higher and higher by the day, despite each politician’s promise to “cut the cost of health care.” Since the cost of health care is high, the cost of health insurance is naturally going to be high. Therefore, you need to focus on several important points of interest when searching for affordable Arizona health insurance.
The points of interest to look for when searching for affordable Arizona health insurance basically boil down to exactly what coverage is offered, how much of the coverage is offered, and how much you must pay. This includes your premiums as well as any co-payments you’ll be expected to make.
For example, you need to ask potential health insurance companies in AZif they offer basics such as doctor visits, physical exams, and preventative care, as well as coverage for children such as immunization. Other basic coverage you may inquire about is mental health coverage, coverage for pre-existing conditions, and prescription drug coverage; whether you need prescription medications right now or not, you may in the future.
Some “surprise” coverage you should ask about includes emergency room visits, hospitalization, and advanced procedures such as cardiac care. We tend to make the mistake of ignoring potential emergencies.
Not every individual searching for affordable Arizona health insurance is going to need the same coverage as the next person. Some people have more pressing health care, while other people only need, or want, simple health care at this point in their lives. In order to get the most affordable Arizona health insurance possible, you must get the coverage you need for the price you can afford to pay. Make sure you understand the premiums, co-payments, any deductibles for seeing a doctor within the network, any reimbursement eligibilities, and the maximum out-of-pocket pay you’ll have to make.