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Health Insurance Quotes in Atlanta
According to the US Census Bureau, Atlanta has seen an increase in the number of people covered by health insurance in the last few years. However, an estimated 18.80% of the city’s population is still without health coverage; that’s over 150,000 people in total.
If you live in Atlanta, GA and you are looking to buy your own health insurance or if you’re currently not insured, you’ve come to the right place. Here you’ll learn everything you need to know about buying health insurance or getting a health insurance quote in Atlanta, GA.
Who is Eligible for Health Insurance in Atlanta?
Under the Obamacare, anyone who is under the age of 65 and is a United States citizen, United States national or a legally present immigrant in the nation is eligible for health insurance. Anyone can get a health insurance quote in Atlanta. You can purchase your insurance plan through federal exchanges. On the other hand, you may be exempt from getting health insurance and not have to pay for the Obamacare penalty if you are uninsured for under 3 months, incarcerated, qualify for a hardship waiver, a member of a recognized health care sharing ministry, unable to find a plan that is less than eight percent of your combined household income, or part of a religious sect that has objections to insurance.
The Need for Health Insurance
The state of Georgia has not fared well in health rankings among US states, and one of the main reasons for this is the lack of health insurance. In 2015, the state placed 46th out of 50 states and is at the bottom 20% for states with the highest number of uninsured adults..
The Affordable Care Act (Obamacare) has successfully helped reduce the uninsured population in most states. In Georgia, more people are looking for health insurance quotes in Atlanta- its effect is not widely felt but it has at least increased the number of insured residents. In 2015, Georgia residents without health insurance dropped from 21.4% to 15.9%. However, the number of uninsured in Atlanta is still higher compared to the state percentage. Georgia also currently does not have a state-run health exchange but instead, the federal health exchange will point you to approved insurance exchanges and brokers.
With the ACA, most Americans are mandated to purchase health insurance and without coverage, you may be required to pay a penalty. For 2016, the fee for Georgia residents will be $695 per adult and $347.50 per child, or 2.5% of the total family income (maximum of $2,085). Each year, the fee will increase.
But it’s not just the penalty that you should worry about. You also risk financial ruin if you are suddenly beset with a serious illness or a traumatic event such as a car crash. When your medical bills pile up, you may be forced to file for personal bankruptcy and wreck your credit history.
Moreover, you also won’t have access to primary and preventive care services. Obamacare requires insurance companies to include preventive care and annual checkups as part of their insurance plan coverage without co-pays. But without a health plan, you’ll have to pay for these services out-of-pocket and the high costs will likely discourage you from getting screenings, check-ups and treatment for any illness you may have.
If you are planning to apply for health insurance or get a health insurance qiote in Atlanta, GA you should have the following information ready:
- Your tax information for the previous year.
- Projected income for this year.
- Social security number.
- Medical history.
- If members of your household have insurance plans, you need to provide their policy numbers.
- Your basic health information.
Finding Affordable Health Insurance Quotes in Atlanta
If you and your spouse are looking for a health insurance plan, you can look at various health insurance quotes and find the plan that suits your needs and budget best. Depending on the insurer, rates for insurance plans in Atlanta and in Georgia as a whole would based on factors such as the youngest person on the policy. The cost of your insurance plan will also be based on the level of coverage you want, where you live in the state, whether you smoke, and if you qualify for a subsidy.
There is a standard set of 10 categories of services required for every health insurance plan under the Affordable Care Act. These include inpatient and outpatient hospital care, doctors’ services, pregnancy and childbirth, prescription drug coverage, mental health services, and others. Some plans offered by private insurers also cover more services. Dental coverage for children is included however dental benefits for adults are optional.
If you’re looking for affordable coverage, do check out our health insurance quotes in Atlanta.