Pre-Enrollment Checklist
Your Quick Checklist Before Choosing a Health Insurance Plan
Make sure your health insurance plan covers everything you may need.
When shopping for health insurance, stay alert for overly aggressive marketing tactics being used to sell plans or of anyone who won't let you see the details of what is covered BEFORE you buy.
If you are thinking of buying short-term health insurance of an Association Health Plan, it is important to pay very close attention to the benefits that are covered. These plans may NOT meet the minimum Essential Health Benefits (EHB) requirements under the Affordable Care Act (ACA). Selecting an improper plan may result in higher medical bills.
Remember that all health plans purchased through Healthcare.gov meet the requirements of the Affordable Care Act (ACA).
Look at the chart below to see how Healthcare.gov plans can provide you with quality affordable health insurance coverage.
CONSUMER PROTECTIONS AND BENEFITS
MARKETPLACE PLANS PURCHASE ON HEALTHCARE.GOV
ACA COMPLIANT PLANS PURCHASE OUTSIDE HEALTHCARE.GOV
SHORT TERM LIMITED DURATION PLANS
Is there mandatory coverage of Essential Health Benefits?
YES
YES
NO
Must accept everyone who applies and cover pre-existing conditions?
YES
YES
NO
Are tax credits and cost sharing reductions available to reduce my out of pocket costs?
YES
NO
NO
Are there lifetime coverage limits?
NO
NO
YES
Are there limits on my out of pocket costs?
YES
YES
NO
Must cover preventative care free of charge?
YES
YES
NO
Must cover mental health and substance use disorder treatment?
YES
YES
NO
Must cover prescription drugs?
YES
YES
NO
Can plans be purchased at any time during the year?
NO
NO
YES
Have Questions?
IllinoisHealthAgent.com is the official resource to assist you with finding and enrolling in affordable health insurance from Healthcare.gov. We can connect you to an IllinoisHealthAgent.com advisor by using our "Get Free Help" tool.
IllinoisHealthAgent.com is a free-to-use informational website run by Mohring Insurance Services, LLC. All insurance agents and enrollment platforms linked to this site have their own terms and conditions.
This website is not the Health Insurance Marketplace located at healthcare.gov or the Illinois State Exchange located at getcovered.illinois.gov.
CONTACT US
IllinoisHealthAgent.com & Mohring Insurance Services LLC
Information: 1-866-440-1885
LANGUAGE SUPPORT
Free translation services and assistance by phone is available at:
Healthcare.gov (english).
Cuidadodesalud.gov (espanol).
or by calling (800) 318-2596.
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