Health Insurance
The coverage you need.
At Sonon Insurance, we know how important it is to have quality health insurance. Fortunately, due to the affordable care act, you can get covered without any pre-existing conditions counting against you.
Types of Healthcare Plans
Health Insurance Plans
Health Insurance Carriers
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ACA (Affordable Care Act) plans are comprehensive health insurance policies sold on the federal or state marketplace. They must cover 10 essential health benefits, offer free preventive care, and protect people with pre-existing conditions.
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Anyone who:
Lives in the U.S.
Is a lawful resident or U.S. citizen
Is not incarcerated
Is not enrolled in Medicare
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All ACA plans must cover:
Doctor visits & outpatient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health & substance use treatment
Prescription drugs
Laboratory services
Preventive services
Pediatric services
Rehabilitative & habilitative services
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Yes, if the employer plan is too expensive or not comprehensive, you may still be eligible.
You may not qualify for ACA tax subsidies if your employer offers affodable, minimum-value coverage.
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No. We offer the same plans that you’ll find on state and federal health marketplaces, and we do not charge a broker fee to assist you.
Our Highmark plans off-exchange also offer platinum level plans, which are not available on current marketplace websites. Contact us or schedule a review to get pricing on platinum level PPO plans.
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No. We get paid a flat servicing commission directly from carriers, which means we do not charge a broker fee, and we do not make more money based on the cost of your health plan.
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Yes. If you have a current VA health plan, you can also enroll in an ACA plan, but no tax subsidies would be allowed if you keep the VA health plan in combination with your new ACA plan.
If you leave the VA health plan, then enroll in an ACA plan, you may then qualify for a tax subsidy if applicable based on income qualifications.
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You can assign us as your broker on your state marketplace profile’s dashboard or call a representative at your state marketplace and ask them to assign us. This assignment costs nothing and can be assigned throughout the calendar year. Examples of state marketplaces are Pennie, GetCoveredNJ and GetCoveredIllinois.
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In Pennsylvania: Independence Blue Cross, Capital Blue Cross, Highmark, Oscar Health, amBetter, Jefferson Health, UPMC and Geisinger. In New Jersey: Oscar, amBetter from Wellcare of New Jersey, AmeriHealth and Horizon Blue Cross Blue Shield of New Jersey. In Illinois: amBetter, Oscar Health, Cigna Healthcare of Illinois and Molina. In Delaware: Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas Next and amBetter Health of Delaware. In Florida: Oscar Health, amBetter and Cigna.
FAQs
Get in touch.
Send your request to a licensed agent.
