Obamacare and ACA; Affordable Care Act, are two terms for the same thing. They are used interchangeably and are considered On Exchange policies. These policies can be purchased directly from the federal government or by qualifed health insurance brokers, like Covered Hermosa Beach. They offer lower premiums through government subsidies for customers meeting income requirements.
Off Exchange plans are offered by health insurance companies and are available through insurance brokers. These plans also offer most if not all the essential health benefits as their on-exchange counterparts and are usually are a mirror of their on-exchange plans. The names of the plans are often the same as well and are available to those who do not meet the requirements for govern ment subsidies.
We can help naviagate the purchase of both On and Off Exchange policies, simplifying the process for our customers. It is important to note, that policies have the same prices for consumers, whether you go through a broker or purchase on your own. The only difference is the level of support and customer service you recieve when working with a broker.