Get a Health Insurance Plan That Fits Your Needs!
Finding health insurance can be difficult. If you’re under the age of 65 and looking for BEST medical insurance, you have options. Good News, we have access to ALL of them and will work to find the right choice based on your unique healthcare needs and budget.
Do you qualify for a subsidized health plan through the Affordable Care Act?
What does that mean for you? For example, in 2024 that figure is $54,360 for an individual and $73,240 for a couple who were eligible for subsidized premiums.
The subsidized amount is determined by household size, income and zip code. This is the first step in determining whether this is the right plan for you. As an insurance broker we help you through this confusing process step-by-step. If you’re unable to qualify for a subsidy you can purchase and enroll in many of these same health plans directly through the carrier using a licensed broker, however, you will be purchasing them at full market price, or you can choose one of the many other options available to you.
Exchange Health Insurance Plans (Affordable Care Act - ACA - Marketplace) may be the best option for you. Plans are administered through the Centers for Medicare and Medicaid. In many cases people qualify for subsidies based on several qualifying factors to help with their health care costs. People with incomes between 150% and 400% of the federal poverty level qualify for reduced premium cost and improved benefits.
What if you don’t qualify for a subsidy?
Maybe you’re self-employed, filling a gap while in between jobs, or looking for more flexibility within your benefits and network. What options do you have?
One option not found on the marketplace is known as a “Short-Term” Medical Plan. These were designed primary for those who recently lost coverage, are in between jobs or awaiting to go onto Medicare. Basically designed for consumers looking to fill a gap or void in coverage.
These plans offer enrollment flexibility allowing enrollment to occur 12 months out of the year and in many cases coverage can begin as the next day. They allow you to drop coverage without penalty and often times allow more customization within your plan, from deductible ranges to adding additional coverage riders to the plan. Terms are limited 1-3 months and would need to be re-enrolled inf needing coverage for longer than 3 months. However, the benefits would also reset .
We only work with the carriers you know and trust that utilize nationwide networks. Applying is simple, it can take less than 10 minutes, requiring no health exams, only a short health questionnaire to determine if you qualify.
Another option, is a “First Dollar” Benefit Plans. We have partnered the top insurance companies to ensure we provide plans that allow flexibility, customization, and most importantly, top of the line protection to their plans making them an excellent option.
Some of the questions I often get asked about “First Dollar” Benefit Plans:
How do they work? Simple. A “first dollar” benefit plan pays first, they pay a set, predetermined benefit dollar for each service. Often time, the benefit exceeds the billed amount. In those cases, the consumer receives unused money back. In fact, with our flagship partner this occurs over 85% of the time. That’s correct, a plan that pays you back 85% of the time!
What about deductibles and copays? There are no deductibles or copays for any outpatient services like office visits, chiropractic care, physical and mental health therapy, urgent/ emergency care, diagnostic testing, blood work, ambulance transports, surgery, and much more.
Is the coverage good? They offer comprehensive coverage along with additional built in benefits to protect your financial well-being if diagnosed with a major ailments such as heart attack, stroke, cancer, or suffer an accidents.
When can I sign up? There is no open enrollment period, similar to short-term medical plans. Unlike short-term plans, there is no term limitations, allowing you to stay on these plans as long as you like (up to 65 years of age).
These plans can be the most affordable option, saving customers hundreds of dollars each month compared to plans through the marketplace or in many cases through your employer. They are a great option if your income is difficult to determine, too high to receive subsidies, or you travel extensively for work (truck drivers, travel nurses, etc) needing more flexibility within your network. They are also a great fit for someone who is self-employed or owns a small business looking to offer a great health benefit package to their employees.
Interested in learning more about our flagship partner and the plan that pays you?
SCHEDULE A CALL WITH US!
Looking for a health plan that is more closely structured like plans offered through an employer? We have those too. With customizable deductibles and added benefits to cover accidents and critical illnesses, these plans were designed for people who are self-employed.
They offer enrollment flexibility allowing enrollment to occur 12 months out of the year, with coverage beginning the beginning of the following month. They allow you to be dropped without penalty and meet minimum essential coverage requirements of the affordable care act.
Do you have employees? Are you Interested in offering benefits to them?
We have the nation’s largest carrier selection for group health insurance!
Contact us to learn about our strategic approach to offering a cost-effective benefit package that your employees can be proud of. We have options for businesses with as few as 2 employees that are customized to fit both your needs and budget. For mid-size to large groups, we offer state of the art employee benefit packages – We offer fully funded, level-funded, and self-funded plans, with endless voluntary benefit options to ensure your employees receive the most comprehensive plan!