It never cost you one cent more to have your own agent working on your BEHALF.
It never cost you one cent more to have your own agent working on your BEHALF.
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 has been through many changes over the last few years and now allows over 35 million people the chance the have "affordable" health insurance coverage, either though Marketplace plans or Medicare expansion.
New changes for 2023.
In 2023, a job-based health plan is considered "affordable" if your share of the monthly premium in the lowest-cost plan offered by the employer is less than 9.12% of your household income.
If the premiums aren’t considered affordable for the employee and the household, they may qualify for savings in a Marketplace plan. But, if the premium is considered affordable for the employee, but not for other members of the household, then only the other household members may qualify for savings.
Example:
For the employee:
For other household members:
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. Located in Lafayette Indiana, we are also licensed in Illinois and Michigan. Contact us for a free insurance quotes and enrollments.
Use this worksheet to help you gather information about employers that offer traditional health coverage to anyone on your Marketplace application. Complete one form for each employer that offers coverage. You’ll need this information to complete the application, even if no one enrolls in coverage through their job (or the job of another person, like a spouse or parent). Don’t use this form if someone works for a business that offers help paying for a health plan or health care expenses through a Health Reimbursement Arrangement (HRA).
Use our convenient online quote and enrollment link and avoid the marketplace website all together!
Did you miss the annual open enrollment period? Check to see if you have a "Special Life Qualifying Event" to buy outside the enrollment period.
Did you get a decision you do not agree with? It's easy to appeal, get the forms online.
Here is a link for a free program to reduce the cost of medications.
Do you make too much for Medicaid, but not enough for a marketplace plan? Indiana HIP 2.0 is for you.
Curious about how much of a subsidy you may qualify for before filling out an application?
Confused about how subsidies work for your health insurance? Check out this quick video.
If you missed the annual enrollment period on the Marketplace for your health insurance, or you just don't want to pay the high prices for the ACA, short term medical plans can be an option for you. Keep in mind they do not cover pre-existing health conditions and have none or limited prescription coverage.
Your FlexTerm policy does not confine you to a specific network, but it can be advantageous to see doctors and obtain other ancillary services in the PHCS Practitioner Plus Ancillary Network (PHCS Network). When you see doctors in the PHCS Network, you can avoid balance billing for services that are covered by your policy.
Plans offer coverage for a variety of medical services like doctor office visits, emergency room care, hospital stays, surgery and more after a deductible is met.
Some plans offer doctor office copays for primary care and Urgent Care. Each plan also includes coinsurance, which is the portion an insured is required to pay after the deductible is met.
It is important to review the Plan Details and understand full services provided, coinsurance out-of-pocket maximums, exclusions and limitations.
click here to quote and enroll
Not having health insurance coverage for even a short amount of time can be expensive. What if you have an accident? What if you fall ill?
24/7 accessibility to doctors with the convenience of not leaving your home. Want to know more? Quote and enroll online.
The ACA plans can leave you with high deductibles and co-pays. These plans fill the gaps. Quote and enroll online.
We love our customers, so feel free to visit during normal business hours. for more information or to get a free insurance quote
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