DID YOU KNOW?

About 95% of health coverage options available to individuals and families are offered through the ACA Marketplace — commonly known as Obamacare. These plans are designed to accept all U.S. citizens, no matter their current health conditions. Whether you have a chronic illness or a recent injury, ACA plans will always provide coverage and benefits tailored to your needs.

Because ACA plans must cover everyone, their costs vary based on several factors, including:

• ZIP code
  
  

• Age and gender
  
  

• Household size
  
  

• Household income (ACA savings and subsidies are based on your estimated Modified Adjusted Gross Income, or MAGI, for the coverage year)
  
  

On the other side of the healthcare market are private, state-regulated plans. These are often designed for self-employed professionals, business owners, or individuals who find ACA plans too costly. Many private carriers use medical underwriting, which means they assess your health before offering coverage. These plans typically cover only low-risk, healthy individuals, allowing them to offer stronger benefits at more affordable prices compared to ACA plans.

Some private plans do accept people with pre-existing conditions but expect higher premiums since they’re taking on greater risk. Simply put—when risk goes up, so does cost.

If you’re unsure or answered “NO” to any of these questions, it’s time to talk.

At JSR Health Consultants, we’re here to help you understand your options — and find a better solution that fits your life and your budget.