Obamacare Insurance
Obamacare provides access to affordable health coverage, often with subsidies that can significantly lower your monthly costs. Plans vary based on income, household size, and healthcare needs, which is why expert guidance matters. At 9ja Insurance, we walk you through your options step by step and compare plans to find the most practical and cost-effective coverage for you. Together, we’ll secure a plan that fits your needs and gives you peace of mind.Â
Health Insurance:
A contract where an insurer pays some/all healthcare costs in exchange for a premium.
Premium:
The regular payment (e.g., monthly) to keep your coverage active.
Deductible:
The amount you pay for covered services before the plan starts to pay.
Copayment (Copay):
A fixed amount (e.g., $20) you pay for a service, like a doctor’s visit.
Coinsurance:
Your share (e.g., 20%) of costs for a covered service, paid as a percentage after the deductible.
Out-of-Pocket Maximum:
The most you have to pay for covered care in a plan year; after this, the insurer pays 100%.
Provider:
Doctors, hospitals, or other healthcare facilities.
In-Network:
Providers who contract with your plan, usually costing you less.
Out-of-Network:
Providers not in your plan’s network, often leading to higher costs or no coverage.
Carriers we represent
