PRIVACY POLICY

health insurance plans 

Affordable Health Plans, That Won't Break the Bank!

On exchange plans will provide more coverage to people and understanding how to leverage tax components is a smart way to make your plans more affordable. Although anyone can facilitate their own application online, we don't recommended it, there is no cost to to obtain a expert in the field of life and health insurance, this will help ensure your best chance of getting comprehensive coverage at the best rates.

Open Enrollment
Nov 1st through Dec 15th


When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. 


Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. Understand that there is more than what the calculator will do to control healthcare premium cost. Consult with a licensed professional to get the most out of your ACA plan, click the link for an estimate of how you may qualify, use this Subsidy Calculator to see if you qualify.


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Health Savings Account (HSA)


A HSA combines a high deductible/lower premium health insurance plan (PPO) with a savings account. Both employer and employee can contribute, tax-free to the savings account, which can help fund the deductible and other qualified medical expenses. Once the deductible is met, the insurance starts paying. Watch video to learn more.


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Medical Reimbursement Plan Options
Medical reimbursement plan options includes a variety of affordable health coverage options for 2 man employer groups up to 50 full time equivalent employees. It depends on how your company is structured and how many employees you currently have, the video below will help you to determine what plan option best suits your situation and how you can begin lowering cost with greater tax advantages and benefit options. Watch video to learn more.


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You will need a qualifying life event in order to trigger a Special Enrollment Period, meaning you will not have to wait to enroll during the Annual Enrollment Period beginning Nov 1st through December 15th. Click here for a detailed explanation of how the SEP works. Please keep in mind you have 30 days to apply for coverage from the date the life event occurred.


Loss of health coverage

  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan
Changes in household
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
  • Changes in residence
  • Moving to a different ZIP code or county
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing
Other qualifying events
  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service
Unlike a traditional major medical plan that reimburses you or pays directly to a provider for approved hospital stays and medical care, a Hospital Indemnity Plan pays a lump-sum payment directly to the insured. 


The cash payment helps with out-of-pocket expenses and covers you when you are off work due to a hospital stay. The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected. This maybe a great option for individuals seeking coverage outside of the annual enrollment period of the Health Insurance Exchanges. Watch the video below to learn.


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EXPLORE ENROLLMENT OPTIONS