Question By: Health Insurance Marketplaces (also known as Exchanges) are organizations set up to create more organized and competitive markets for buying health insurance. They offer a choice of different health plans, certify plans that participate, and provide information and in-person assistance to help consumers understand their options and apply for coverage. Through the Marketplace, individuals and families can shop for coverage if they need to buy health insurance on their own. Premium and cost-sharing subsidies based on income are available through the Marketplace to make coverage affordable for individuals and families. People with very low incomes can also find out at the Marketplace if they are eligible for coverage through Medicaid and CHIP. Finally, small businesses can buy coverage for their employees through Small Business Health Options Program (SHOP) Marketplace plans.
Hummingbird Insurance offers free consultations for health, dental and vision coverage to individuals, families, and businesses. Hummingbird Insurance method is face-to-face, but we can also meet with you online or over the phone – whatever is most accommodating. They can help you enroll online or over the phone. Book online or call 828-518-6453 to schedule your appointment today.
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