We also specialize in under 65 health insurance for those interested in marketplace health insurance. In Iowa currently there are health insurance plans offered by Wellmark BCBS, Medica and Oscar Health. Under the laws set in the affordable care act, insurance companies who offer credible insurance coverage cannot ask any health questions or deny coverage based on pre-existing conditions. By purchasing insurance on the marketplace, you may also be eligible for low or no cost premium plans by qualifying for tax credits based on your household income. Marketplace tax credits are not available to people who are offered insurance through an employer or to those eligible for Medicare or Medicaid. 

The open enrollment period for marketplace health insurance runs from November 1st to December 15th for effective dates of January 1st. Also, people can enroll in marketplace health insurance plans if you are losing coverage from an employer or other circumstances like moving out of your current plans service areas. In those situations, you’ll have a special enrollment period 60 days before and after your loss coverage to pick up insurance on the marketplace. 

Understanding how these plans and the tax credit system works can be confusing. By using a local agent, we make purchasing and managing your health insurance options as simple as possible.