Non-Obamacare Health Plan: Top Reasons Why It Is the Right Insurance Plan for Healthy People

Posted on: 12 August 2021

Eleven years ago, the Affordable Care Act became a law in the United States. This move was primarily a result of President Obama's administration attempting to make healthcare affordable and accessible. 

The Affordable Care Act primarily serves people with pre-existing conditions such as diabetes or heart complications. The Affordable Care Act led to the introduction of what is commonly known as Obamacare. An alternative to Obamacare is non-Obamacare health insurance

Non-Obamacare health insurance or non-ACA health care insurance is only suited for people with no pre-existing health conditions. If you happen to be healthy with no evidence of pre-existing health conditions, then the non-ACA health care program is right for you.

Here are some of the reasons why you should sign up for a non-Obamacare plan.

Access to Nationwide PPO Plans

With a non-ACA plan, you get to enjoy the benefit of nationwide PPO plan access. A PPO plan or Preferred Provider Organization is a network that allows you to visit any physician without a prior referral from a medical care physician.

Being a part of a PPO plan means you get access to a network of different physicians under the insurance plan. A PPO plan is essential for you if you prefer to have the freedom of choice regarding medical facilities.

Lower Deductibles and Out of Pocket Costs

Most insurance health plans offer deductibles and out-of-pocket costs, which is the minimum amount of money you need to spend before your insurance provider covers your medical care costs.

Non-Obamacare plans often offer minimal deductibles. Low deductibles mean you have to pay more for the premiums. A deductible contrasts out of pocket costs, which do not include the cost of the plan's premium.


Another significant advantage with non-ACA plans is that you get to customize your plan depending on your medical needs. You have the option of deciding how much to pay for your monthly premium and the deductibles.

Low Monthly Premiums

Compared to Obamacare health plans, with a non-ACA plan, you get to pay close to half the amount of monthly premiums. In addition, your medical cost is significantly lower since you have no pre-existing conditions; therefore, you only pay for check-ups.


Finally, with a non-ACA plan, you can subscribe to a short-term or long-term plan. You can have an insurance plan that covers you for a minimal period of one month or more. Healthcare can be expensive. You need to save on costs while still getting good quality health care. A non-ACA plan could save you money.


Always Prepare for Medical Emergencies

Everyone needs medical insurance, but choosing the right health insurance policy can be a tough task. Every medical insurance policy has its unique advantages and disadvantages. Some have higher premiums and lower deductibles, while others offer lower monthly premiums, but have higher coinsurance payments. In addition, many medical insurance policy marketing materials include complicated financial and medical jargon that the everyday person may not understand. We created this blog to help everyone choose the right medical insurance policy for them, whether they are choosing their very first policy or just trying to find a new one. We also plan to post tips on how to update insurance policies to add new dependents and other tips on preparing for medical emergencies. Come back often for new posts that we hope can help you.


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