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.
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 year 2018 Open Enrollment in the Individual Marketplace to extend from November 1 through December 15, 2017 in order to have an effective date of January 1, 2018.
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.
See if you qualify for a subsidy!
Sign up for HIP 2.0
* For 2017 the penalty percentage will remain 2.5% of the yearly income, but the flat rate fee will be adjusted annually for inflation.
What happens if I don't buy health insurance?
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.
Subsidies explained! ....straight talk from the Marketplace to help understand just how subsidies work.
See if you qualify for a
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STM Enrollment Reminder:
As a reminder, effective April 1, short-term medical policies can only be written for a period of time less than 3 months. This is consistent with regulations finalized by the Federal government in June 2016.
Customers purchasing short-term medical plans may not repurchase the same plan from the same company when their current short-term medical plan ends. The regulations do not prohibit consumers from purchasing a different short-term medical plan from the same company or one from another company.
Customers who have a qualifying life event may be eligible to enroll for coverage under the Affordable Care Act as part of a special enrollment period.
If you have questions as always give us a call at 765-746-6459