Health Insurance

On March 23, 2010, President Obama signed the Affordable Care Act. This law was designed to bring comprehensive health insurance reforms, hold insurance carriers accountable for costs, as well as give more consumers access to health care.

Each year, there is a period of time called “open enrollment".  During this time you can shop and apply for a new health insurance plan if you find your current plan unsuitable.  Once open enrollment period ends, you cannot buy or change a plan unless you have a Special Event Period (SEP) such as losing your current coverage, getting married, or having a baby.

Consumers are also offered tax credits if their household income falls below established thresholds.  Please note if you over or under estimate your income the credit could change when you reconcile your taxes.

Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more people are buying private health insurance plans tailor-made for individuals and families.

If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan from us now.

Health insurance may be the most important type of insurance you can carry. That’s because it affects more areas than just your health ... it can also affect your financial bottom line.

Unexpected medical bills can devastate your finances. Health insurance doesn’t just help you pay for care, it can protect you and your family financially in the event of unexpected—or potentially expensive illnesses and injuries.

Unpredictable costs can rob your peace of mind. You don’t want to be in the position of adding “money stress” to an already stressful medical situation. Since care costs are so unpredictable, proper coverage can give you definite peace of mind in knowing you are protected from most of these costs.

Uncovered illness can eliminate your options. Proper coverage means you have options. When you don’t have insurance, you’re at the mercy of the healthcare system, which often means no care at all.

Because we are an independent agency offering real time health insurance quotes and online applications from multiple health insurance companies, we believe in total transparency. Compare options and then apply online from the convenience of your own home or office.

We can help you simplify what seems complex, and help you choose from quality, competitive health care plans, including:

• HMO plans: An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMO costs less than comparable insurance packages.
• Major Medical: Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses—including those incurred both in and out of the hospital—with generally higher individual benefits and policy maximum limits.