Resources

The Affordable Care Act (ACA), what is sometimes called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover preexisting conditions along with a list of essential health benefits that don't change from plan to plan.

Being self-employed has its perks. You’re your own boss. You likely have a home office with a flexible schedule. And if you do work at home, you can’t beat the commute. But when you’re self-employed, your time can feel stretched because you’re doing everything yourself. One prime example—self-employment means you're responsible for finding your own health insurance.

Health insurance isn’t a luxury. To help you manage your health care costs, most of our plans include broad coverage for in-network preventive care that is exempt from your plan deductible, coinsurance, and copayments, so your spouse or children won’t miss a checkup. And if bad luck deals out major medical expenses, you’ll sleep better knowing your health insurance can help protect you from the largest costs.

At the most fundamental level, all health insurance functions the same way. The insurance company collects premiums and pays out benefits while members pay premiums and collect benefits. The process of submitting claims and receiving payments varies by policy type along with the specifics of what is and is not covered.