Health Insurance
Find the right health insurance plan for you and your family. We'll help you navigate the marketplace, understand your options, and secure quality coverage you can afford.
Health Insurance FAQ
Get answers to common health insurance questions
When can I enroll in health insurance?
Open enrollment is typically November 1 - January 15. You can also enroll during special enrollment periods if you have qualifying life events like marriage, job loss, or moving.
What's the difference between deductible and out-of-pocket max?
Your deductible is what you pay before insurance starts covering costs. The out-of-pocket maximum is the most you'll pay in a year, including deductibles, copays, and coinsurance.
Do I qualify for premium tax credits?
Many households qualify for premium tax credits based on income and family size. Under current law, the share you're expected to contribute toward the benchmark silver plan is capped on a sliding scale from 0% up to 8.5% of household income (through 2025, subject to change). Eligibility also depends on whether you have access to affordable employer coverage.
What if my doctor isn't in network?
Out-of-network care typically costs more. Check provider networks before enrolling, or consider plans with out-of-network benefits if seeing specific doctors is important to you.
Are prescription drugs covered?
Most health plans cover prescription drugs, but coverage varies by plan. Check the plan's formulary to see if your medications are covered and what tier they're on.
What's covered under preventive care?
Preventive services like annual checkups, vaccinations, and screenings are covered 100% by most plans when you use in-network providers.
Ready to Find Your Health Plan?
Our licensed health insurance specialists will help you navigate the marketplace and find quality coverage that fits your needs and budget.
Call or Text for Immediate Help
(801) 850-0872
8AM-6PM M-F
Email Us
health@theinsurancebox.com
Get a response within 2 hours