Top Myths about Affordable Care Act Health Insurance Enrollment

by | Jul 27, 2021 | Insurance

For those considering Affordable Care Act health insurance enrollment in Atlanta, GA, there’s a lot to consider. With so much information online, it’s easy to get overwhelmed and have a hard untangling fact from fiction. Here are some of the top myths that confuse many people.

Household Family Size

Many people have been told that the household family size is based on who’s applying for coverage in the family. How family size is actually determined is based on the number of people in the family based on the information provided on tax returns.

Income Thresholds

Some applicants enrolling for coverage have been told that their household income is based on what’s listed on tax returns. That is false. A household’s income is based on the estimate of what they expect to make during the calendar year for which they will be covered.

Marketplace Plans with PPO Doctors Are Better than HMO Plans

This is another falsehood. People applying for ACA coverage need to review all their options. Waiting rooms will have a mix of PPO and HMO plan recipients and choosing a PPO plan doesn’t guarantee less time waiting to see a doctor.

HMO Plans Are the Only Plans Offered

Again, this isn’t true. As mentioned above, marketplace plans offer PPO and HMO coverage. Applicants should consider the pros and cons and the financial responsibilities of both plans before enrolling in a plan.

Understanding Affordable Care Act health insurance enrollment in Atlanta, GA, is confusing and people need to make sure they’re getting the best information. To get the best, contact Georgia Health Insurance Marketplace online