Need coverage for a short time between jobs or just looking for a more affordable solution? Check out short term medical plans! Get a free quote or enroll here.

The Affordable Care Act explained in simpler terms here. Click any BLUE link in our presentation to get even more information on that topic.

Subsidies explained! ....straight talk from the Marketplace to help understand just how subsidies work.

Today’s healthcare system is strained, expensive and inefficient. Whether it’s the time it takes to schedule an appointment with your primary care physician or the simple lack of access when you need it (nights and weekends), the current system is strained and with the rollout of the Affordable Care Act, it’s only going to get worse.

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​On March 23, of 2010 President Obama signed the​ the Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA) or Obamacare. The law mandates that everyone have health insurance that meets minimum requirements, or pay a tax penalty for not having "creditable coverage". We can help you understand how it works, pick out the best plan for you, and help you enroll electronically without having to sign up for the government website and all the head aches that entails. 

​On April 13, 20017 CMS released the Market Stabilization Final Rule, which finalizes changes that will help lower premiums, stabilize individual and small group markets, and increase choices for Americans. The rule amends standards relating to special enrollment periods (SEPs), guaranteed availability, qualified health plan (QHP) standards on network adequacy and essential community providers, and rules around actuarial value requirements. The rule also changes the timing of plan years 2018 and 2019. Open Enrollment in the Individual Marketplace to extend from November 1 through December 15 each year in order to have an effective date of January 1st.

Did you know?...It does not cost YOU one cent more to have your very own licensed agent explain to you your options, help you enroll,  and be there for you throughout the year when needed.

STM Enrollment Update:

​Yesterday (08/01/2018), the Departments of Health & Human Services (HHS), Labor, and Treasury issued a final rule that changes the maximum duration of short-term, limited-duration health insurance coverage from any period less than 3 months to any period less than 12 months.  

Short-term, limited-duration coverage is designed to fill gaps in coverage that may occur when an individual is transitioning from one plan or coverage to another plan or coverage, such as an individual who is between jobs. These plans are not required to comply with Affordable Care Act (ACA) provisions that apply to individual health coverage plans. Short-term, limited-duration coverage is not considered to be Marketplace coverage.

As a Marketplace-registered broker, we are advising consumers that this coverage is not subject to the requirement to provide essential health benefits nor the prohibitions on preexisting condition exclusions or lifetime and annual dollar limits. These plans, though much more affordable, do not qualify as "creditable coverage" as required by the ACA and, until the end of 2018, and will not exempt you from the tax penalty for not having health coverage. 

The final rule regulations take effect 60 days after the date of publication in the Federal Register.

For more detail on the final rule, view this fact sheet or click the button below.

If you have questions as always give us a call at 765-746-6459 

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* For 2017- 2018 the penalty percentage will remain 2.5%. For 2019 the mandate to buy insurance is no longer in effect.