Robert Sprotte Insurance
Robert Sprotte Insurance
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Health Insurance Options

Contact Me Today!

Health Insurance for every budget.

In 2010, a health care reform law was enacted to increase people’s access to affordable health insurance. Known as the Affordable Care Act (ACA)

or “Obamacare,” the ACA provides consumers with premium tax credits (subsidies) that lower health care costs for households with low incomes.

What Is the ACA Marketplace?

The ACA was followed by Marketplaces — a buying or enrollment service run by the government to help individuals and families who aren’t offered health insurance by a large employer. The law also aimed to expand Medicaid to cover all adults with incomes below a certain percentage of the federal poverty level. This expansion of Medicaid eligibility led to the development of the Health Insurance Marketplace.


Note: Many states opted out of expanding Medicaid.

The Marketplace varies by state. In general, it lets you compare various private health insurance plans and choose the best one for your needs. If you don’t have an ACA marketplace in your state, you’ll be redirected to the ACA-compliant Marketplace through the official site.

What Type of Coverage Can You Get?

Additional Information

  • Prescription drugs
  • Laboratory services
  • Emergency services
  • Ambulatory patient services
  • Rehabilitative services and devices
  • Pregnancy, maternity, and newborn care
  • Hospitalization (surgery and overnight stays)
  • Pediatric services (including oral and vision care)
  • Preventative and wellness services, plus chronic disease management
  • Mental health and substance use disorder services (includes counseling)

The Basics

There are four basic types of plans: bronze, silver, gold, and platinum. While plans can mix different premiums, deductibles, and co-pays, you’ll know what to expect to pay (out of pocket) in each type.

Schedule a Complimentary call to discuss your insurance needs!

Health Carriers

Medicare (65 and older), Aetna, BlueCross BlueShield, Cigna, Devoted, Humana, United Healthcare, Wellcare, Geisinger, Highmark, and Independence.

Robert Sprotte Licensed Insurance Agent

License # W571065 Health Markets Insurance Agency

239-994-8711

Terms Of Service | Privacy Policy

We are not connected with or endorsed by the United States government or the federal Medicare program. 

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. 

Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

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