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ACA

The ACA requires ten Essential Health Benefits, but Assurance IQ, LLC enrollment may be limited in some states, directing individuals to healthcare.gov for premium tax credit options.

STM

STM Insurance may lack ACA-compliant coverage, requiring thorough review before enrollment and possibly leading to waiting for alternative options during open enrollment.

Indemnity Plans

Indemnity Plans complement but don't substitute health insurance or ACA requirements; they may impact Medicaid eligibility, advising consultation with your Medicaid agency.

Advertised Premiums

Advertised quotes and rates are subject to change based on coverage options, underwriting practices, and other factors; for more details, please check the Advertising Disclosure Page.

Affordable Care Act (ACA)

"The Affordable Care Act (ACA), often dubbed 'Obamacare,' encompasses comprehensive legislation mandating that individual health insurance policies include ten 'Essential Health Benefits' to qualify as a 'Qualified Health Plan' (QHP), thus ensuring 'minimum essential coverage' (MEC) for insured individuals. However, in specific states, enrollment in ACA-compliant health insurance through Assurance IQ, LLC may be restricted. To thoroughly explore the available Qualified Health Plan options in your state, visit the Health Insurance Marketplace at https://www.healthcare.gov/. It's crucial to understand that eligibility for premium tax credits is contingent upon criteria established by the Marketplace and is not guaranteed for all applicants."

Short Term Medical (STM)

"STM Insurance lacks comprehensive medical coverage and does not meet the minimum essential coverage criteria established by the Affordable Care Act (ACA), commonly known as 'Obamacare.' It's possible that STM insurance does not include all Essential Health Benefits, underscoring the necessity of thoroughly assessing your plan before enrollment. These plans typically involve medical underwriting and often exclude pre-existing conditions, while potentially imposing lifetime and/or annual limits on health benefits. In the event of coverage termination or ineligibility, you may need to await an open enrollment period to access alternative health insurance coverage."

Fixed Indemnity/Limited Indemnity Plans

Indemnity Plans complement health insurance but should not be viewed as a replacement for health insurance or the minimum essential coverage required by the Affordable Care Act (ACA). Generally, these plans do not provide coverage for pre-existing conditions—those health conditions existing at the time of application—and typically offer a predetermined benefit amount for covered services. If you are presently receiving (or qualify for) Medicaid, the benefits from these plans might affect your Medicaid coverage or eligibility. It's recommended to seek guidance from your Medicaid agency for additional information.

Advertised Premiums

The quoted prices, rates, and quotes advertised are susceptible to alterations based on diverse factors, such as the chosen coverage options, underwriting practices of the insurance company, and other relevant considerations. For further insights into advertised rates, please consult the Advertising Disclosure Page. The health plans or products showcased on this platform comprise insurance policies or health benefits offerings, constituting distinct forms of health coverage, particularly in the case of health maintenance organizations, prepaid health plans, and other direct service organizations.

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