Under 65

The Individual Mandate under the Patient Protection and Affordable Care Act (PPACA) requires all American citizens to purchase or be entitled purchase healthcare coverage either thru private insurance or a government subsidized program such as the Marketplace (i.e. on‐exchange) or Medicaid under new expansions nationwide. The law passed in March of 2010 requires everyone to have coverage or face a federal penalty. In 2017 this law has thus changed and beginning in 2019 the individual mandate will be eliminated.

At Insurance Exchange Navigators (IEN) we realize the importance of having the available knowledge, experience, and guidance for our clients to follow when finding their way thru this new and complicated system for purchasing healthcare. Our organization has helped thousands of households in Ohio with purchasing PPACA compliant plans and policies since they began in January of 2014. As an independent firm, IEN can assist customers with finding solutions on and off the insurance exchange as well as from nearly any insurance carrier.

For those who choose to try figuring the new health insurance purchasing process out on their own, we highly recommend understanding that many insurance carriers have highly limited networks now and your doctor or hospital may not any longer be considered “in‐network”. Do not fall into the trap that just because you recognize the insurance carrier’s name and reputation that their network of doctors and hospitals has gone unchanged. Our consultants have seen many examples of people purchasing health insurance in Ohio whereas the nearest in‐network doctor or hospital is nearly 60 miles away from their home or residence. Buyer beware.

For further information please fill out the form below or contact our office at (440) 992-7000

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