A Practical Guide to Buying Health Insurance

Did you know that you can still purchase health insurance through private health insurance companies? In fact, private companies provide more plans and work with more providers.  As you may have experienced, rates for plans available at www.healthcare.gov tend to be about 35 – 50% higher than plans available through private companies, which means the subsidies available through healthcare.gov may not impact your families bottom line.

We are advising our clients to shop plans with an December 1, 2013 effective date. Choosing a plan with a 2013 effective date will allow you to lock in you plan for the next 12 months at current rates (depending on the carrier you choose). Remember, if you have a pre-existing condition, you must choose a January 1, 2014 effective date due to the Affordable Care Act’s “Guarantee Issue.”

Through our website or working with a qualified agent, we can quote you private health insurance that meets the requirements of the Affordable Care Act. You can receive an instant, affordable health care quote through our online quoting tool or call one of our agents at 855.533.1776.

Save money and keep your doctors. Shop now for individual health insurance and lock in the best rates.

 

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Open Enrollment is Open. What Now?

Open Enrollment for the Affordable Care Act began on October 1, 2013.

Have you visited www.healthcare.gov?  If so, you are not alone. You are also probably very frustrated.

Did you know that you can purchase individual health insurance that is ACA compliant through a Private Health Insurance Exchange? A Private Health Insurance Exchange is an Insurance Exchange or Marketplace that allows you to shop for the policy that best meets your insurance needs.

Our Private Health Insurance Exchange will allow you to compare plans from well known carriers and confirm your health care providers will be available to you.  Get a quote today and see the variety of options available to you that are compliant with the Affordable Care Act.

Individuals and families who make between 138% and 400% of the Federal Poverty level may be eligible for a tax credit, which includes individuals with income of less than $94,000 per year (family of four) or individuals with no dependents and an income of less than $46,000. The tax credit calculator will help you to calculate what your subsidy may be.

tax credit calculator copy

If you qualify for a Tax Credit, you will need to purchase insurance through a vendor approved by the Federal Government. We are an approved vendor and are waiting on the Government to incorporate the information on our website. In the meantime, you can complete the applications below and begin your application process.

Please let us know if you have questions. Schedule a consultation or call us toll-free at 855.533.1776.

Standard Form – for families applying for coverage for any member of their family.

Short Form – for single adults who aren’t offered health insurance from their employer. Don’t have any dependents and can’t be claimed as a dependent on someone else’s tax return.

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Affordable Care, Health Reform, Obama Care.

There are a lot of questions out there surrounding the upcoming changes expected to take place in health care on October 1, 2013. But, the most important question you are probably asking yourself is what does it mean for your wallet? According to an update released September 25, 2013 by the Department of Health and Human Services the exchanges are expected to provide at least two insurers to choose from, even better six out of 10 people could pay less than $100 a month in premiums.

This report looked at insurance plans and premiums in 36 states where the federal government will either run or help run the exchanges. The exchanges are where state residents will be able to shop for and purchase health insurance beginning October 1, 2013.

You can access these state exchanges through the National Affinity Services Private Health Exchanges. Our Private Health Exchanges will provide members of associations and credit unions the ability to shop more insurers, select coverage and purchase. If you or your members qualify for a subsidy they will be able apply for the public subsidized choices in one portal directly through our site as our software as been approved the Department of Health and Human Services as a web based broker.

In those 36 states referenced above, 95% of people will have two or more plans to choose from, and the average premium for all states and all ages will be $328. It is important to remember that anyone who makes less than 400% of the federal poverty level, or about $94,000 for a family of four, will be eligible for a federal tax subsidy that will immediately be deducted from the cost of the insurance policy. And yes, the subsidies will be available here through our Private Health Insurance Exchange.

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