Accidents don't call ahead
A fall, a car accident, a kidney stone or appendicitis can send a perfectly healthy person to the emergency room tonight. It happens to healthy people every day.
Obamacare · ACA health insurance
Don't leave your health to luck.
Obamacare plans include doctor visits, prescriptions and free checkups, and most people who enroll get a tax credit that lowers the monthly price. A licensed advisor shows you your options in plain words, at no cost.
Free help · Licensed advisors · English and Spanish
Open Enrollment
Nov 1 to Jan 15
Enroll by December 15 and your coverage starts January 1. Lost your coverage, moved or had a baby? You may be able to enroll now.
If you feel healthy
Feeling great is the best time to get covered
Most people without insurance aren't careless. They're healthy and busy. Here is what nobody told them.
Your savings get a ceiling
Every plan has a yearly out-of-pocket maximum. Once you reach it, the plan pays 100% of covered in-network care for the rest of the year. Without a plan, there is no limit.
Checkups are free
Your yearly checkup, vaccines and many screenings cost $0 on every plan, even before the deductible. Catching something early is how healthy people stay healthy.
You can't buy it the day you need it
Outside Open Enrollment you can only sign up after a qualifying event, like losing other coverage, moving or having a baby. Getting sick is not one of them.
You pay the insurance price
Plans pay the lower rates they negotiate with doctors, labs and hospitals. Without a plan, you are often billed the full price.
Everyday care costs less
Many plans cover doctor visits, urgent care and generic medicines with a set copay, some even before the deductible.
Insurance isn't a bet that you'll get sick. It's a limit on what one bad day can cost you.
How the yearly maximum protects you
Without a plan
Doctor visitLab testsEmergency roomHospital stay
Every bill is yours, and there is no limit.
With a plan
The plan paysYour yearly maximumYou pay
You pay your share of covered in-network care, never more than your yearly maximum.
If you already want coverage
Choosing well matters more than choosing fast
Two plans with the same monthly price can work very differently. Before you pick, we check what actually matters to you.
Your doctors
We look up your doctors and your hospital in each plan's network.
Your medicines
We check that your prescriptions are on the plan's drug list, and what they would cost.
Every dollar of help
We work out the tax credit and any extra savings your household qualifies for.
The real cost, not just the monthly price
We compare the deductible, copays and yearly maximum, so a low monthly price doesn't turn into a big bill.
The whole year, not just enrollment
After you enroll we help with Marketplace document requests, income changes and your renewal every fall.
Your language
Talk to us in English or Spanish, by phone or at our Miami office.
Every plan, by law
What every Obamacare plan covers
All Marketplace plans cover these ten essential health benefits. Plans differ in price, network and how costs are shared.
- Doctor visits and outpatient care
- Emergency services
- Hospital stays
- Pregnancy, childbirth and newborn care
- Mental health and substance use treatment
- Prescription drugs
- Rehabilitation services and devices
- Lab tests
- Preventive care and help managing chronic conditions
- Children's care, including dental and vision
Things people tell us
What you may have heard, and what's true
You may have heard
“It's too expensive for me.”
The price depends on your income, your household, your ages and your ZIP code. Most people who enroll get a tax credit, and some pay $0 a month.
See the price for your ZIP codeYou may have heard
“They won't accept me because of my health.”
Marketplace plans can't turn you down or charge you more for a pre-existing condition, like diabetes, asthma or a pregnancy.
You may have heard
“Going through an agent costs more.”
Our help is free. The plan costs the same whether you enroll with us or on your own.
You may have heard
“It's only for people with very low income.”
Marketplace plans are for people who buy their own insurance: the self-employed, workers whose job doesn't offer it, and families. Help with the price depends on income and household size, and many working families qualify.
How it works
Call us
A licensed advisor answers your questions. No cost, and no obligation to buy.
Compare together
We look at the plans in your ZIP code, your doctors, your medicines and your price after the tax credit.
Enroll and relax
We complete the application with you and stay with you all year.
Answers
Common questions
It depends on your income, the people in your household, your ages and your ZIP code. Most people who enroll get a tax credit that lowers the monthly price, and some pay $0. You can see estimated prices for your ZIP code in about two minutes, or call and we work it out with you.
Nobody plans an accident or a sudden illness. A plan puts a yearly limit on what you pay for covered care and includes free preventive checkups. And outside Open Enrollment you usually can't sign up until a life event qualifies you. Getting sick doesn't.
No. Our help is free, and the plan's price is the same whether you enroll with us or on your own. Insurance companies pay the agency, not you.
No. Doctor Insurance One is a private, licensed insurance agency. We enroll you in plans from the official Health Insurance Marketplace for your state, and we stay with you after you enroll.
Open Enrollment runs from November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside those dates, losing other coverage, moving, getting married or having a baby usually gives you 60 days to enroll.
Often, yes. Each plan has its own network, so we look up your doctors in every plan before you choose, and again when you renew, because networks change from year to year.
Talk it over with a real person
No cost, no obligation and no pressure. Ask us anything, in English or Spanish.
Doctor Insurance One is a private, licensed insurance agency. We are not the government or HealthCare.gov. Plans, benefits and prices depend on your state, county, household and income.