ACA Plan Options
How can I get health insurance if my employer doesn't offer it?
During open enrollment (Nov 1st - Dec 15th), you can sign up through The Insurance Center Group(in person or over the phone). You can call the ACA Marketplace, or you can sign up on your own at
www.healthcare.gov. We recommend using an agent like us. We're local. You can come in and talk to a person and it doesn't cost you anything extra.
Can I buy health insurance that’s compatible with an HSA during open enrollment?
Yes! If you enroll in a high-deductible health plan (HDHP), you’ll be eligible to fund an HSA. HSAs let you contribute pre-tax dollars that you can then use to pay for qualified medical expenses.
Are child-only policies available through the exchanges?
Yes, you can purchase a child-only policy on or off the exchange. Any health insurer offering qualified health plans to adults must also offer the same coverage to children. But if you qualify for a subsidy to help pay for coverage or to lower the out-of-pocket amount, they are only available on the exchange.
Do Gold exchange plans offer more generous coverage than Bronze or Silver plans?
All individual/family and small group major medical plans (whether Bronze, Silver, Gold, or Platinum) issued since 2014 must cover the ACA's
essential health benefits, including free preventive care, so they all provide comprehensive coverage. This applies to all ACA plans both on exchange and off the exchange.
But plans with the lowest premiums (Bronze, and to a lesser degree, Silver) require you to pay a larger share of your health costs. This typically means that your co-pays and deductibles will be higher, and your maximum out-of-pocket will generally be higher as well.
If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?
Health insurance plans within the same metal tier—such as Silver—can differ significantly in cost and coverage details. While all marketplace plans must include the ten essential health benefits, insurers can structure deductibles, copays, provider networks, and managed care models differently. Silver plans, for example, must have an actuarial value (AV) between 66% and 72%, meaning they cover that percentage of average healthcare costs across the entire enrolled population. However, actual out-of-pocket expenses vary by individual usage. Healthier individuals may pay more of their routine costs through deductibles and copays, while those with significant medical needs may have most expenses covered after reaching their out-of-pocket maximum. Additionally, individuals eligible for cost-sharing reductions through the marketplace may receive enhanced Silver plans with higher AVs—ranging from 73% to 94%—depending on income level. Other metal tiers include Bronze (60% AV), Gold (80% AV), and Platinum (90% AV).
Premium differences are also influenced by geographic location, provider networks, and plan design. Healthcare costs vary by city and region, which directly impacts pricing. Plans may operate as HMOs, PPOs, EPOs, POS plans, or hybrid models, each with different flexibility and cost structures. Lower-cost plans often feature narrower provider networks to manage expenses, as some hospitals and physicians command higher negotiated rates. Insurers must balance affordability with network access, recognizing that some consumers—particularly younger, healthier individuals—are willing to trade provider choice for lower premiums. If you qualify for a premium tax credit, your subsidy is based on the cost of the benchmark Silver plan in your area. You may apply that subsidy to any metal-level plan; choosing a more expensive plan means paying the difference, while selecting a lower-cost option allows the subsidy to cover a greater share of your premium.
We live in China right now but we don’t have health insurance for the times we come back to the states. What kind of insurance can we get?
Travel insurance is offered by a wide range of insurance carriers, and plans are available for coverage in the country where you're currently residing, or for when you travel abroad – including to the United States. Most health insurance brokers can assist you in finding a policy that will meet your needs.
Travel insurance is not regulated by the ACA. That means that the policies still use medical underwriting, do not have to cover pre-existing conditions (or can impose a waiting period for them), do not have to cover the Affordable Care Act's essential health benefits, and can impose benefit maximums.
But they are generally the best option available to people who are traveling outside their country of residence, since most health insurance policies (both U.S. and foreign) do not tend to cover care received abroad. And because the policies are still underwritten, they are available year-round and the application process is generally quick and simple.
If you return permanently to the United States (which means for "an entire season or other long period of time"), you'll have access to a special enrollment period triggered by your move. This will allow you to enroll in any ACA-compliant individual/family plan available in your new area, on or off-exchange.
The special enrollment period triggered by a permanent move generally only applies to people who had minimum essential coverage for at least one of the 60 days prior to the move. But people moving back to the US from abroad are specifically exempt from that requirement.
ACA Plan Benefits
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Yes, in the United States, it is mandatory to have basic auto coverage in order to legally drive in the country. This minimum protection typically covers property damage and bodily injuries in an accident.
Non-ACA Coverage
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To find the best affordable car insurance, you need to reach out to various companies or search online to get a quote so you can compare rates. Make sure you ask if you are eligible for any discounts.
If you prefer to save time? Speak with one of our agents at 812‑337‑7637 and we can comparison shop for you.
Enrollment
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Absolutely! Many companies offer discounts based on certain qualifications. These can include having a clean driving record, completing advanced driving courses, being a member of specific clubs affiliated with the insurance company, or being retired. Additionally, if the provider offers other insurance products, bundling your auto insurance with homeowners or life insurance could also result in a lower premium. We recommend contacting our agents to inquire about the discounts that allow you to obtain cheap car insurance.
Choosing Coverage
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Full coverage is the combination of liability, collision and comprehensive insurance. It’s important to note that not every single incident or situation is covered. To ensure you have the right coverage, we recommend reading through your insurance policy and reaching out to an insurance agent for any necessary adjustments.
Coverage Mandate
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Typically, you have the option to choose the start date of your auto insurance coverage. This can be either immediate or on a future date. However, note that retroactively starting your coverage from a prior date is not available.
Eligibility
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Insurance policies active for over 60 days (about 2 months) are not eligible for cancellation by insurers. However, there are a few exceptions to this rule, such as non‑payment of premiums, fraudulent
misrepresentation on the application, or if your driver’s license was suspended or revoked at the time of an accident. While the policy itself may not be canceled, filing multiple or significant claims during the coverage period may result in the insurance company choosing not to renew your policy once it expires.
Subsidies
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Remain calm and, if possible, move your vehicle to a safe area. Assess yourself, your passengers, and other parties involved in the accident for injuries. If there are any injuries, dial 911 for emergency assistance. Otherwise, contact the police to report the accident and gather all necessary information for your auto insurance provider.
Under 26
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If your car is stolen and your auto insurance policy covers theft, inform your insurance provider immediately after filing a police report. There may be a waiting period outlined in your policy in case your car is recovered by the police. If your vehicle is not found within that time frame, your insurer will compensate you for its current market value. However, if your car is located during the waiting period and incurs damages, your insurance company will assist with the repair costs if they exceed your deductible.
Tax-related
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If you are driving someone else’s vehicle, in most cases, the auto insurance coverage follows the car. If an accident occurs, the owner’s insurance will typically be used to cover the damage. However, if the car owner is uninsured or lacks sufficient insurance coverage, your own car insurance policy will step in to make up the shortfall. Specific guidelines may vary between insurance companies.
Small Group (under 50 Employees)
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Yes, car insurance premiums are determined by several factors, including the safety rating of your vehicle and the accessibility and affordability of its parts and services in the event of a claim. Vehicles that can be repaired or replaced at a lower cost and have a lower risk of theft or unsafe driving tend to qualify for lower rates on cheap car insurance policies.
Medicare
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At Acceptance Insurance, you can get a free quote online, by visiting our friendly local offices, or by calling us at 812‑337‑7637. We are committed to providing you with the outstanding care and protection you deserve. We can help you get the best cheap car insurance plans available.
ACA Plan Options