eHealth is Obamacare’s Best-Kept Secret

eHealth homepage

Find health coverage at the same prices as healthcare.gov or your state exchange.

Like millions of Americans, you may be shopping for new health coverage compliant with the Affordable Care Act, otherwise known as Obamacare. You’ve probably heard about all the glitches and outages at healthcare.gov. What you probably don’t know is the federal government has authorized eHealth to sell Obamacare-compliant health insurance in all 50 states. You can buy policies from major insurers via eHealthInsurance.com: a secure, fast and easy-to-use website from a trusted company.

You don’t need to register to get a fast, accurate quote.

Get a quote at eHealthInsurance.com

Just supply your zip code, plus date of birth and gender for everyone you want to cover, and you’ll immediately receive information and prices for plans available in your area. You don’t to register to shop for coverage.

eHealth is a company you can trust.

eHealth has been selling health insurance online since 1998, and was responsible for the first online sale of health insurance in the U.S. Since then, eHealth has sold millions of policies in all 50 states plus the District of Columbia. eHealth, Inc. is a publicly-traded company listed on the Nasdaq stock exchange, and is one of a handful of companies specifically authorized by the federal government to sell health insurance online.

Again, these are Obamacare-compliant policies with the same prices you’ll find on healthcare.gov or your state health insurance marketplace.

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What if you qualify for a subsidy?

eHealthInsurance.com has a helpful calculator to help you determine if you qualify for a subsidy to help pay some or all of your health insurance premiums. If you purchase your health coverage through healthcare.gov or your state exchange, you can choose to have some or all of the estimated credit paid directly to your insurance company to lower your monthly premiums for 2014.

Unfortunately, sites like eHealth aren’t yet ready to offer subsidized policies, although it’s supposed to happen soon. If you really need the subsidy to afford your monthly premium, you’ll need to apply on a government website.

But if you’re self-employed or work part-time, you may not be able to accurately estimate your 2014 income today. If you get the subsidy up front and your 2014 income is higher than you estimated, you may have to pay back some or all of the subsidy.

The alternative is to buy your new health coverage on eHealthInsurance.com today, pay the full monthly premiums next year, then claim the subsidy as a tax credit on your 2014 federal income tax return.

And if you already know your 2014 income will be above subsidy levels, there’s no impact on you. eHealthInsurance.com is the most hassle-free way to browse and buy individual health insurance. You can enroll right now, and avoid the tax penalty.

Update: The Obama administration announced this week that it is trying to create a detour around healthcare.cov by allowing individuals and families to buy subsidized health coverage directly from sites like eHealth. Stay tuned.

 

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