AFFORDABLE CARE MARKETPLACE
Get your free affordable health insurance quote.
4 out of 5 individuals and families qualify for assistance paying their insurance premiums
Healthcare partnerships
we’re here to Answer all your questions
Choosing a health plan can be confusing and overwhelming to most. We at Vance Insurance Group, Inc. are here to help.
Who is eligible for free health Insurance?
| Persons in Family/Household | 2023 coverage | 150% |
|---|---|---|
| 1 | $13,590 | $21,870 |
| 2 | $18,310 | $29,580 |
| 3 | $23,030 | $37,290 |
| 4 | $27,750 | $45,000 |
Who can buy coverage in the Marketplace?
Most people can shop for coverage in the Marketplace. To be eligible you must live in the state where your Marketplace is, you must be a citizen of the U.S., and you must not currently be incarcerated.
Not everybody who is eligible to Purchase coverage in the Marketplace will be eligible for subsidies, however. To qualify for subsidies (also called premium tax credits) people will have to meet additional requirements having to do with their income and their eligibility for other coverage.
Do you qualify for health insurance through your employer or your spouses but can't afford it?
You can always shop for health coverage in the Marketplace. However, if you’re offered employer health benefits, you can’t qualify for premium tax credits in the Marketplace unless your employer coverage is considered unaffordable. If your share of the premium for self only coverage in your employer plan is 9.12% or more of your 2023 household income, it is considered unaffordable, and you can apply for premium tax credits in the Marketplace.
How do I find my state Marketplace?
Just click on below the Compare And Enroll Here link and compare health plans in your area and you can enroll here as easy as 123.
Insurance Product Availability and Compensation
Vance Insurance Group, Inc. may not offer every plan or carrier in your area. Agents may not be appointed with every available carrier. Any information we provide is limited to those carriers and plans we offer or can refer to. Information presented is based on your responses during the quote process. Vance Insurance Group, Inc. receives compensation from these companies, based on the insurance coverage purchased. Compensation does not affect monthly premium rates. Content presented on this page provides and any brief descriptions of the important features of the products and plans offered are not all-inclusive. Please refer to the policy for actual limitations, terms and conditions that apply. In the event there are discrepancies with the information on this page, the terms and conditions of the policy will govern.
Product availability may vary by location, plan type and design, and is subject to change. All insurance policies contain exclusions and limitations. Some products (e.g., STM, dental, critical illness) may have waiting periods that apply. Please refer to the product brochure and policy for details.
Coverage is subject to your application being accepted and approved by the plan issuer. Benefit exclusions and other limitations may apply. For costs and details of coverage, review your plan documents or contact a representative.
Affordable Care Act (ACA)
The comprehensive health reform law that is sometimes referred to as “Obamacare”. Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a “Qualified Health Plan” and provide “Minimum Essential Coverage” to enrollees(“MEC”). Residents of certain states may not be able to enroll in ACA-compliant health insurance through Assurance IQ, LLC. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Marketplace.
Short Term Medical (STM)
STM Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act (also known as “Obamacare”). STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling. Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits.
If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.
1Varies by state. Review the plan brochure before enrolling. Excludes major medical plans.
Ancillary Care Products
Ancillary Care Products include dental care, vision care, accidental injury coverage, critical illness coverage, and/or other services and are supplementary to primary health insurance coverage. Ancillary Care Products may be purchased as an add-on to the main insurance product.
Product availability, coverage and benefits may vary by location, plan type, plan design, and is subject to change. All insurance policies contain exclusions and limitations. Some products may have waiting periods that apply (e.g., STM, dental, critical illness). Please refer to and carefully review the product brochure and plan policy for details.
Advertised Premiums
Advertised quotes, prices and rates may vary based on many factors such as coverage choices, insurance company underwriting practices, and other relevant factors. See Advertising Disclosure Page for more information on advertised rates. Health plans/products advertised on this site are insurance policies or health benefits products (in the case of health maintenance organizations, prepaid health plans and other direct service organizations).
This website is owned and operated by Vance Insurance Group, Inc., a licensed insurance agency. Vance Insurance Group, Inc. is not affiliated with any government agency.
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Contact Us
Location:
1200 S Horner Blvd #5046, Sanford NC 27331
Support:
info@vigrp.com
* All information provide will remain confidential.
