Individuals & Families

Your client's income is potentially a crucial factor in determining their health insurance costs, especially if they are purchasing a plan through the Health Insurance Marketplace. This is primarily because of the Advanced Premium Tax Credit (APTC), which is designed to make health insurance more affordable for individuals and families with moderate incomes.

The Advanced Premium Tax Credit is a subsidy provided by the federal government that helps lower the monthly premiums for health insurance plans purchased through the Marketplace. The amount of the credit you receive is based on your estimated household income for the year.

Our estimator tools within the Move Health Platform allow an advisor to accurately project the impact of APTCs on their clients health insurance costs in seconds.

Yes, you can find individual health insurance that covers maternity care. Under the Affordable Care Act (ACA), all individual health insurance plans offered through the Health Insurance Marketplace are required to cover maternity and newborn care as part of their essential health benefits. This includes prenatal care, labor and delivery, and postnatal care. It’s important to review the details of each plan to understand the specific coverage and any associated costs, such as deductibles and co-pays. If your client is considering becoming pregnant or are already pregnant, our team at Move Health will help them to choose a plan that meets their needs and budget.

If your client's family is still growing, we can help them find health coverage that will meet your needs.

The Move Health Platform allows an advisor to add dependents in a healthcare cost analysis to see the healthcare cost impact of adding a little one to a client's family.

Yes, your client can get health insurance coverage even if they have a pre-existing condition. Under the Affordable Care Act (ACA), health insurance companies cannot deny coverage or charge higher premiums based on health history. This provision ensures that individuals with pre-existing conditions, such as diabetes, heart disease, or cancer, have access to the same health insurance options as those without such conditions.

All plans offered through the Health Insurance Marketplace must cover treatment for pre-existing conditions from the day your coverage starts. This means that if your client enrolls in a Marketplace plan during the open enrollment period or qualify for a special enrollment period, you can rest assured that your client's pre-existing conditions will be covered without any waiting periods or exclusions.

Moreover, health insurance plans through the marketplace cannot charge your client more due to your pre-existing conditions. Premiums are based on factors like age, location, and tobacco use, but not on their medical history. This protection provides peace of mind and financial security, ensuring that your client can receive the necessary care and treatments without facing prohibitively high costs.

Your client should review their health insurance coverage at least once a year, typically during the open enrollment period. This is the time when someone can compare different plans, update their information, and make any necessary changes to coverage. It's important to ensure that your client's current plan still meets their healthcare needs and budget, especially if there have been changes in their health, financial situation, or the plan's benefits and costs.

Additionally, your client should review their coverage whenever they experience a significant life event, such as retirement, a change in income, marriage, or the birth of a child. These events might qualify your client for a special enrollment period, allowing them to adjust their health insurance outside of the standard open enrollment period. Regularly reviewing coverage ensures that your client's always have the most appropriate and cost-effective plan for your situation.

Don't worry, you don't have to be the healthcare planning expert. When you see an opportunity for healthcare planning arise, seamlessly connect your client to us through the Move Health platform for advisors.

Our job is to be your trusted partner and to help your clients to find health coverage that gives them the confidence to make their next move in life with confidence. This means reviewing all options that are available to them, including Marketplace alternatives.

Though not a right fit for every person, alternatives to the Marketplace like Healthcare sharing programs or underwritten health insurance products will be a part of our thorough review process.