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Health Insurance
Health insurance is the key to protecting your well-being, your family's well-being, and your financial stability.
Your health is your greatest asset. Having health insurance means peace of mind, access to doctors, and financial protection against unexpected expenses. At Elite Insurance, we help you find the ideal coverage for you and your family, whether through the ACA (Obamacare) Marketplace , private insurance , or international coverage .
As a Marketplace -registered agency, we work with you step by step to find a plan that fits your budget, medical needs, and family situation. Our expert agents help you understand your options for:
Subsidized Plans : Access tax credits that can significantly reduce your monthly payment.
Quality Medical Networks : Choose doctors, hospitals, and specialists in your area.
Essential Health Benefits : All ACA plans include preventive checkups, prescriptions, maternity, mental health, emergencies, and more.
Options for the whole family : Whether you need coverage for yourself, your spouse, or your children, we have plans designed for you.
If you qualify for the ACA, we can help you get subsidies that reduce your monthly payment. If you don't qualify, we have affordable and flexible private plans. And for those who travel, study, or work abroad, we also offer global health coverage .
Why have health insurance?
Financial protection against high medical bills.
Access to trusted doctors and hospitals .
Preventive care included : checkups, vaccinations and examinations.
Security for your family in case of emergencies.
International coverage if you travel or live outside the U.S.
The ACA (Obamacare) makes health insurance affordable
The Affordable Care Act (ACA), known as Obamacare, was created to provide more people with affordable and comprehensive health plans. Through subsidies and tax credits, many families are able to pay much lower premiums than expected, in some cases as low as $0 per month. Furthermore, these plans include essential benefits such as emergency, maternity, mental health, prescription drug coverage, and preventive checkups.
There are options beyond the ACA
Not everyone qualifies for ACA subsidies, but that doesn't mean you're left without coverage. At Elite Insurance, we offer private health insurance with flexible benefits and prices tailored to different needs. These plans allow you to choose from broader networks of doctors and hospitals, adjust deductibles and coverage according to your budget, and even offer temporary options while you wait for the next ACA enrollment. It's the ideal option for those seeking greater control and customization.
Health coverage without borders
If you travel, study, or work outside the United States, you have the option of purchasing international health insurance. This type of coverage protects you anywhere in the world and includes hospitalization, medical emergencies, medications, evacuation, and repatriation. It's the best solution for expats, international students, and frequent travelers who want the peace of mind of having access to quality medical care no matter where they are.
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What health insurance options are available?
ACA Health Insurance (Obamacare)
ACA Health Insurance Marketplace plans are designed to provide families with comprehensive coverage at a low cost thanks to subsidies and tax credits . They include essential benefits such as emergency, doctor visits, maternity, mental health, prescriptions, and preventive checkups. They also protect those with preexisting conditions , ensuring everyone can receive quality medical care.
Private Health Insurance
Private health insurance is ideal for those who don't qualify for ACA subsidies or are looking for more flexible coverage.
These plans offer customizable options, access to broader medical networks , adjustable deductibles, and additional benefits. They're also a solution for those who need temporary coverage or want plans that better fit their lifestyle and budget.
International Health Insurance
International health insurance provides global coverage for people who travel, study, or work outside the United States.
It covers medical emergencies, hospitalizations, medications, and specialized services such as medical evacuation and repatriation . It's the perfect option for expats, international students, or frequent travelers who need peace of mind and access to medical care anywhere in the world.
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What is Obamacare (ACA) and how does it work?
The Affordable Care Act (ACA) , also known as Obamacare , is a law that allows people to obtain affordable health insurance through the Marketplace . It works by offering subsidies or tax credits to reduce the monthly cost of the premium and requires that all plans include essential health benefits .
How much does health insurance cost in the United States under the ACA?
The cost depends on your income, family size, and location. With ACA subsidies , many people pay very low premiums, even as low as $0 a month .
Who qualifies for Obamacare subsidies?
Those eligible are those with incomes within a range established by the government based on the number of people in their household. You must also live in the U.S., be a citizen or legal resident, and not have access to affordable health insurance through your employer.
What does an ACA health plan cover?
All ACA plans include:
Medical consultations and hospitalization.
Prescription drugs .
Maternity and child care .
Mental health and rehabilitation.
Preventive services such as vaccinations and annual checkups.
What happens if I don't qualify for the ACA?
If you don't qualify for ACA subsidies, you can still get private health insurance that offers comprehensive coverage and flexibility. These plans allow you to customize benefits, deductibles, and access to private doctors or hospitals.
What is the difference between private insurance and Obamacare?
Obamacare (ACA) offers government-regulated plans with available subsidies. Private insurance doesn't rely on subsidies and typically offers greater flexibility , broader medical networks, and options tailored to different needs and budgets.
Does Obamacare cover pre-existing conditions?
Yes. One of the main advantages of the ACA is that no insurance company can deny you coverage or charge you more for a pre-existing condition .
Do I need health insurance if I travel abroad?
Yes. Most U.S. insurance plans don't cover travel abroad . To avoid high medical expenses abroad, it's advisable to purchase international health insurance .
What is international health insurance and what does it cover?
International health insurance protects those who travel, study, or work outside the U.S. It covers hospitalization, emergencies, medications, evacuation, and medical repatriation , ensuring medical care anywhere in the world.
When can I enroll in health insurance (Open Enrollment and Special Enrollment)?
Open Enrollment : This occurs once a year, usually from November to January, and is the time to enroll or change plans.
Special Enrollment : Opens if you have a life change such as moving, marriage, divorce, birth of a child, or loss of other insurance.