Health Insurance

Whether you need coverage for yourself or your family, need assistance with enrollment or need a quote for group medical coverage for your business – our agents are here to assist you.

Change is never easy, and healthcare reform is no exception. The new insurance landscape can be confusing and the choices overwhelming. Whether you want to know if you qualify for a subsidy through an on-exchange plan or if you’re seeking a plan off the exchange through a direct carrier, one of our agents can guide you to the plan that fits your budget and coverage needs.

The Marketplace

The Affordable Care Act (ACA) or Obamacare, set out to increase access to and the affordability of health insurance by establishing a federal health insurance marketplace, sometimes called “the exchange”. The exchange is designed to enable consumers to shop for the plan that best meets their needs, regardless of any pre-existing health condition. Additionally, financial assistance, also known as a subsidy, may be available to qualified individuals in an effort to make plans more affordable.

Licensed Agents, Here to Serve You

You still have questions about insurance plans, deductibles, marketplaces and subsidies. Fortunately, our agents have the answers. Our agents are licensed, Health Insurance Portability and Accountability Act (HIPAA) certified and Federally-Facilitated Marketplace (FFM) certified. Our agents are here to help you find the best rates with the most comprehensive coverage and are ready to help you enroll in your new health plan today. There are no additional fees when you use an independent agent!

We offer a simple side-by-side comparison of the top plans to fit your needs and budget. A licensed agent can help you navigate the insurance landscape while offering to build a customizable insurance plan that is right for you.

Call us today to see if you qualify for a new Affordable Care Act plan! You can also use our quick online quoting tool below.

Common Health Insurance Terms

When discussing health insurance with an agent, it helps to understand some of the common terms you’ll hear. Below you’ll find definitions to some of the most common health insurance terms.

• Deductible - The amount of money you pay toward medical bills before your insurance coverage begins.
• Co-pay - A specified amount of money you pay upfront for doctor visits and prescription refills.
• Coinsurance - The percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call and talk with one of our agents today. We’ll guide you toward a more secure future.