The Affordable Care Act mandates that all Americans must obtain some type of health insurance before January 1st, 2014. For those who do not wish to use a Health Marketplace or Exchange option, policies can still be purchased from private insurance brokers and agents as long as the policies meet the guidelines put in place by Obamacare.

The Affordable Care Act stipulates that all policies sold by agencies outside the exchange must meet or exceed the requirements of exchange policies at an affordable cost to the consumer. It also requires insurance companies to offer policies that fall within two higher level categories such as “gold and silver” or “elite and premier”. These types of policies may be more affordable in the long run for individuals who rarely seek medical attention.

Individuals who want to explore their health care options outside of the state exchange, can callĀ Bernardini & Donovan Insurance Services. A licensed insurance agent will address your concerns and answer any questions you may have about the Affordable Care Act and private insurance.