Health Insurance
Personal Health Insurance Estimates - Obamacare Office Near Me
Have questions about Obamacare, such as where to sign up, how to qualify, or how to apply? At Sparktrad, we provide the answers you need. You can also find licensed and CMS-certified agents in your area to assist with all your individual health insurance requirements.
Missed Open Enrollment? There are still options available to you.
Depending on your situation, your chances to enroll after the annual open enrollment period may be restricted. However, you can still obtain coverage without waiting for the next open enrollment.
Certain qualifying events may permit you to enroll outside of the OEP. Speak with a licensed agent to determine your eligibility.
Explore the Three Main Options in Primary Health
Short Term Plans
Better for Higher Income
Alternative
Pros
Extremely low cost for healthy individuals with high incomes who do not qualify for ACA/Obamacare financial assistance
High deductible option available to lower monthly expenses
Strong national networks
Plans are valid for up to 364 days with the option to renew
Considered insurance
Cons
Low – high deductibles
Coverage limits
Not suitable for individuals who need to see doctors regularly
ACA Plans Obamacare
Better for Low to Medium Income Families
Most Popular
Pros
Financial Assistance (Subsidies) is Highly Regulated
No Limit In Coverage
Qualified Health Plans
Cons
May Not Qualify For Subsidy
Potentially the Most Expensive (Varies by Area)
Open Enrollment Is Periodical
Mainly Closed Networks
Private Health Insurance
Off-Exchange/Non-Marketplace plan
Most Expensive
Pros
Network Options
Not Affiliated With The Marketplace
Qualified Health Plans
No Coverage Limits
Improved Facilities
Cons
Generally quite costly compared to other options (varies by location)
Inconsistent Premium Costs
Highly complex (agents are advised)
Our Featured Packages
ACA Marketplace
Affordable Care Act Marketplace Agents ready to help
Major Medical
Outside of OEP(BCBSS. super expensive).
Plans with No Tax ID
This is an option for people without a social security number.
Dental Insurance
Dental insurance protects the oral health of you and your family.
Vision Insurance
Vision insurance protects the eye health of you and your family.
Travel/ International Health Insurance
Whether someone is here and traveling abroad and needs coverage in US.
Group Employer Plans
Quality plans to protect you and your loved ones & employees.
Nationwide and Private PPO Plans
Preferred doctors, specialists, and hospitals at an affordable price.
Child Only Plans
Plans specifically curated and dedicated to Children only.
Pregnancy Plans
Outside of OEP (Must have Social Security Number).
Enrollment First (18+)
Mental Health, Substance Abuse and Maternity.
201-328-2521
mayur.shah@sparktrad.com