Obamacare Made Simple: A Guide to What You Need to Know

Are you looking for smart health insurance solutions for Brazilians living in the United States? We’ve prepared a comprehensive guide explaining how Obamacare works and the best health insurance options in the U.S.

Why "Obamacare Made Easy"?

By the end of this text, you'll understand how "2easy Insurance" simplifies health insurance into an easy-to-use product for everyone. Read on to find out more.

Frequently Asked Questions About Health Insurance in the U.S.:

• Has Obamacare ended?
• How much does it cost?
• What is the best health insurance plan in the U.S.?
• Is there a cost-effective health insurance plan in the U.S.?
• Can students get it?
• Can I get Obamacare while in the immigration process?

Understanding Obamacare

"Obamacare," officially known as the Affordable Care Act (ACA), introduced significant changes to make healthcare more accessible for millions of Americans and foreigners living in the U.S. Signed into law by President Barack Obama in March 2010 and implemented in 2014, its main goal was to make healthcare more affordable by expanding coverage and controlling medical costs in the U.S.

The law brought several changes, including the expansion of Medicaid (a health program for low-income individuals), the creation of health insurance marketplaces, and the prohibition of denying coverage based on pre-existing conditions.

Can Brazilians Use Obamacare?

Although Obamacare is intended for U.S. residents, Brazilians living in the country can also benefit from the healthcare system. To enroll, you must fill out a form on the Health Insurance Marketplace during the open enrollment period, usually at the end of the year.

Insurance providers now offer coverage for all types of illnesses without limits, including terminal, chronic, or pre-existing conditions, as well as maternity coverage at any stage of pregnancy.

While the coverage may seem expensive, Obamacare provides subsidies in the form of tax returns to those who file taxes. Between 2015 and 2018, health insurance became mandatory for all U.S. residents.

Some states also have their own medical assistance programs, which may vary in terms of eligibility and benefits.

Can Someone Without Legal Status Get Insurance?

Yes, even if you do not have a passport or legal status, there are other insurance options available outside of Obamacare.

Already Have Obamacare? How to Update or Change Your Plan?

Beneficiaries of Obamacare can update their plans during the open enrollment period or in special cases like changes in family or financial situations. These updates allow policyholders to adjust their coverage and premiums according to their needs.

How Much Does Obamacare Cost?

Here are three key factors that determine your health insurance cost:

• Zip Code: Your U.S. ZIP code affects the cost as each region has its own pricing.
• Age: Younger individuals may use the plan less frequently than older adults.
• Household Income: Higher income generally results in higher costs under Obamacare.

With this information, the "2easy Insurance" team will start the process to provide you with the best health insurance solutions, including Obamacare.

Obamacare Terms: What You Need to Know

There are four key terms to understand when choosing the best health insurance plan:

• Copay: This is a fixed amount you pay for a specific medical service. Copayments vary depending on the chosen plan and are paid at the time of receiving the service.

• Deductible: This is the amount you must pay out-of-pocket before your insurance covers costs. Deductibles can range from $0 to $12,500, depending on whether the insurance has subsidies.

• Out-of-Pocket Maximum: This is the maximum amount you will pay for covered services in a plan year, including deductibles and copayments.

• Co-Insurance: This percentage shows how costs are split between you and the insurer, often seen as 60/40, 70/30, 80/20, or 90/10.

Even with a Plan, Do I Still Have to Pay for Services?

Yes, all plans require you to cover some of the costs for services used.

Tips to Avoid Mistakes with U.S. Health Insurance Plans

Understanding the complexity of U.S. health insurance? That’s why you need an expert to offer intelligent solutions tailored to your reality.

"Our commitment at 2easy Insurance is to provide personalized and specialized service to our Brazilian clients in the U.S. We know that health insurance in the U.S. is not as straightforward as in Brazil. The complexity of the American healthcare system can lead to simple mistakes in plan selection that could cost a fortune. That’s why we are here to help," said Renato Pereira, CEO of 2easy Insurance.

"We understand that each individual and family has unique needs when it comes to health insurance. We don’t believe in generic solutions. Instead, we work closely with our clients to understand their needs, budget, and expectations. Our commitment is to guide them through the maze of available health insurance options in the U.S.," he added.

Insurance Rewards

Did you know some U.S. health plans offer rewards for preventive care? For instance, if you have Obamacare and receive an email in January, it might offer a Gift Card for completing your annual check-up.

Authored by 2easy from WMB Digital Marketing

At 2easy Insurance, we are committed to helping you understand your health choices. Learn more about our healthcare services and how we can protect you in critical moments. Your health is our priority.