Pearl Health Care Exchange

Get Started Here

The Pearl Health Care Exchange allows members to shop for competitively priced insurance for themselves and their families. All products offered through the Pearl Health Care Exchange meet or exceed the U.S. government guidelines of Minimum Essential Coverage as outlined in the Affordable Care Act Individual Mandate. To begin, complete the short form under "Enroll Now." Once completed, you can begin shopping on the Pearl Health Care Exchange.

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Welcome to the Pearl Health Care Exchange

The Pearl Health Care Exchange gives customers the ability to choose from a variety of health insurance plans. Customers can select from different coverage levels and benefit choices to find a plan that meets their budget and health care needs.

Users will login to the secure member portal to view their options. Four different coverage levels (bronze, silver, gold, or platinum) offer ease in choosing a plan. All coverage comes from leading insurance companies.

All products offered through the Pearl Health Care Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverage that U.S. citizens must purchase. If residents of the US do not have health care coverage, financial penalties will occur, as outlined in the Affordable Care Act Individual Mandate.

FAQs

  • What is the Pearl Health Care Exchange?
    The Pearl Health Care Exchange is a private exchange marketplace where members and employers can shop for competitively priced insurance for themselves and their families.

  • What is the difference between a public and a private exchange?
    A public exchange is set up through the federal or state government, or a combination of both, and will generally only offer healthcare and dental insurance plans. Private exchanges are set up by health insurance companies or brokerage firms, and are not part of the Affordable Care Act. However, all plans offered under the Pearl Health Care Exchange meet or exceed the U.S. Government guidelines of Minimum Essential Coverage that U.S. citizens must purchase.

  • What products are offered through the Pearl Health Care Exchange?
    Medical insurance is the main product offered through the private exchange. However, other products, like dental, vision, and disability will also be available.

  • I have insurance through my employer. Can I still get coverage from the exchange?
    Yes. Anyone can shop the public or private exchanges.

  • What is a subsidy, and do I qualify?
    Subsidies are only offered on the public exchange to lower and middle-income individuals under age 65 who are not eligible for coverage through their employer, Medicaid, or Medicare.

  • Will I be turned down for a pre-existing health condition?
    Most coverage that begins January 1, 2018 or later cannot refuse to cover you or charge you a higher premium based on a pre-existing health condition. This remains true through the public as well as the private health care exchanges.

  • How do I get a quote, and when can I begin the process?
    You can begin the process immediately by simply registering, which will allow you to begin shopping on the marketplace. 

  • What if I have additional questions?
    We have benefits counselors available to answer questions for you after you register and as you shop.

  • Is the private exchange available in all states?
    No, not at this time. Due to complexities and differences in health insurance providers and the public exchange rules in each state, the health insurance products offered through the Pearl Health Care Exchange are not available in Massachusetts, Vermont, Rhode Island, and Hawaii.

Still have questions?

A Pearl Insurance exchange-certified enrollment counselor will be readily available to assist you from the beginning to the end of your coverage. Just call 855.465.0202 anytime Monday through Friday from 8 a.m. to 5 p.m. CST or email exchange@pearlinsurance.com.