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DC Health Link

 

If you live in the District of Columbia, you might be wondering how healthcare reform affects you. Well you’ll be glad to know there is a new online health insurance marketplace known as the DC Health Link, where you can shop for subsidized health insurance that meets the standards of the Affordable Care Act. Our guide will show you the ins and outs of the DC Health Link, so you can get the best deal possible on your District of Columbia health insurance.

The DC Health Link plans

There are four categories of health insurance plans to choose from at the DC Health Link, Bronze, Silver, Gold and Platinum. With a Bronze plan 60 percent of your healthcare costs are covered by your provider through your monthly premium, but 40 percent of it will be paid directly by you through out of pocket costs. While at the other end of the spectrum Platinum plans have a higher premium, which pays for 90 percent of your healthcare services, and has far fewer out of pocket costs. This system makes it easy to choose a District of Columbia health insurance plan based just on your income.

What are health insurance tax credits?

Health insurance tax credits are probably the way that most people will save money on buying District of Columbia health insurance at the DC Health Link.  These credits are available to people who make between 133 percent to 400 percent of the Federal Poverty Line, and there is a good chance that you will be eligible for one. The way the credits work is that if you pick a Silver plan, you won’t pay more than 9.5 percent of your annual income for it at 400 percent FPL. However, as your income decreases, that cost cap  decreases along with it for District of Columbia health insurance plans.

Weighing your options

Even with this knowledge, you might still be unsure about what plan you should choose. That is to be expected, choosing the perfect District of Columbia health insurance plan requires some careful planning. Don’t just choose a DC Health Link plan that sounds like it will work for you, do some number crunching. Find out how much you pay for your premiums and out of pocket costs on your current plan if applicable. Otherwise take a good look at your budget and see how much you can afford for health insurance every month. This will give you a good starting point when you are looking through the different District of Columbia health insurance plans on DC Health Link.

You could be eligible for Medicaid

The District of Columbia has chosen to expand its Medicaid program under the Affordable Care Act. That means if you can’t afford a plan at the DC Health Link, Medicaid might be the way to go. Previously you needed to make less than 100 percent of the Federal Poverty Line to be eligible, but now with the expansion that number is 133 percent. An even bigger change to Medicaid in the District of Columbia, is that you no longer need to have any dependents to be eligible for the program. If you don’t qualify for a tax credit at the DC Health Link because of a low income, then Medicaid might be your ticket to affordable District of Columbia health insurance.

How do I buy a DC Health Link plan?

To buy District of Columbia health insurance at the DC Health Link give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.