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 mandates that everyone have health insurance that meets minimum requirements, or pay a tax penalty for not having "creditable coverage". We can help you understand how it works, pick out the best plan for you, and help you enroll electronically without having to sign up for the government website and all the head aches that entails.
On April 13, 20017 CMS released the Market Stabilization Final Rule, which finalizes changes that will help lower premiums, stabilize individual and small group markets, and increase choices for Americans. The rule amends standards relating to special enrollment periods (SEPs), guaranteed availability, qualified health plan (QHP) standards on network adequacy and essential community providers, and rules around actuarial value requirements. The rule also changes the timing of the annual open enrollment period. Open Enrollment in the Individual Marketplace is now November 1 through December 15 each year in order to have an effective date of January 1st.
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.
The tax penalty was eliminated after the end of 2018, under the terms of the Tax Cuts and Jobs Act of 2017. Technically, the individual mandate itself is still in effect, but there's no longer a penalty to enforce it.
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.
National General uses one of the largest PPO networks in Indiana and has some of the most affordable price options. Quote and enroll online.
Pivot Health uses no networks and is a great option for folks with doctors that do not accept ACA plans. Quote and enroll online.
The IHC Group is one the few short term plans offering an option for pre-existing health condition coverage. They also have a prescription drug plan you can add. Quote and enroll online.
Short Term Major Medical Insurance from United Security Health and Casualty (USH&C) provides you with the temporary coverage needed to prevent an unexpected threat to your health from becoming a financially-crippling incident.
• One of the few carriers still offering a $500 deductible
• Prescription Drugs covered, subject to deductible and coinsurance
• Only $2,000 maximum out of pocket after deductible
• Individual Plan - No extra fees to join an association
• Upfront Underwriting to help avoid surprises at time of claim
• Emergency room subject to the plan’s deductible and coinsurance - no separate ER deductible!
Quote and enroll online.
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
100 Executive Dr. Ste. D Lafayette, IN 47905
10:00 am – 05:00 pm
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