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Individual & Family Health Insurance Plans

Health Insurance QuotesOpen enrollment for 2020 begins on November 1st and runs through December 15th. All applications submitted by December 15th will have an effective date of January 1, 2021.

Plans and prices on the Federal Exchange will be available for review the third week of October.

You can purchase health insurance outside of Open Enrollment if you’re experiencing a Qualifying Life Event, However. For all others, short term health insurance plans are a good alternative to bridge any gaps. If you’re not sure of your best options, contact us to discuss your best path forward.

Health Insurance Qualifying Life Events

If you are outside of open enrollment, proof of a a qualifying life event is necessary to buy insurance on the Marketplace. There is a long list of qualifying life events that qualify – view the list here. If you are involuntarily losing creditable health coverage, you can buy insurance on or off the Federal Exchange.

The Exchange/Marketplace is the best place to go if you qualify for a tax credit based on your income – or you have preexisting conditions. There is no medical underwriting and your premiums will be much less if your below certain income thresholds.

On the exchange, we work with several insurance companies, including:  Ambetter, Anthem BCBS, CareSource, Cigna, Bright Health, Health Net, Humana, Medical Mutual of Ohio, Molina, Oscar, and a few others.

If you are not experiencing a Qualifying Life Event, then purchasing a short term health plan may be your only option. We work with several insurance companies that offer short term policies, including: Anthem Blue Cross and Blue Shield, Aetna, Medical Mutual, United Healthcare and a few others.

Individual & Family Health Insurance Plans

Family Health Insurane QuotesThe Affordable Care Act has changed the way we buy insurance. In some areas there are fewer options with smaller networks. If you’re losing group insurance, then you may be finding this out for the first time.

Most plans sold on the Exchange are HMOs. This means you must stay in their network to receive care. If you are outside of the network for anything other than an emergency, you might be responsible for the entire amount.

PPOs are still available from many short term providers. In fact, some of our clients are buying short term plans that last for two to three years.

There is not a right or a wrong way to buy health insurance for yourself or your family, but you may want our guidance. Navigating the Exchange on your own can be difficult. We can help you see if your doctors are in network with the plans in your area. We can also assist with pricing any prescriptions you’re concerned about.

Health Insurance Quotes Direct And Online Enrollment

We recognize that you may wish to quickly enroll in a medical coverage plan without agent assistance. We have provided links for our independent clients. With us, you are buying direct from the health insurance provider at no additional cost. You get the advantage of comparing health insurance plans from several competing carriers before purchase.

Costs will vary depending on the carrier and selected health plan. There are no fees or surcharges to use our software in order to purchase health insurance online.

You are buying direct from the insurance company. We will be your agency of record, but this does not add any extra cost to your coverage whatsoever. You’ll be able to see all Exchange plans available in your area. And our software will also allow you to apply for any tax credit available to you and/or your family.

Contact Us For Assistance

If you wish to call us, we will be happy to answer your specific questions regarding differences between the various health insurance plans. You may find the process of buying online easier once talking with one of our knowledgeable agents.

Some of our clients are better suited for Marketplace plans, while others may prefer short term plans that can last for several months – or up to three years in certain states.

We are here to help. Contact us today to discuss your needs, budget and concerns.

United Healthcare Plans

  • Better For Short Term Coverage
  • Affordable Monthly Rates
  • Accident & Illness Plans
  • Dental and Vision Insurance
  • Immediate Coverage

Humana Health Insurance

  • Large ACA Networks
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance

Anthem BCBS For OH, MO,
IN, GA, CO, LA, KY

  • Short Term Insurance
  • Popular Maternity Plans
  • Great Preventive Care
  • HSA and Dental Insurance
  • Copay and Coinsurance Options

Anthem BCBS For AZ, TX,
NJ, MD

  • Short Term Insurance
  • Maternity Coverage
  • Health Savings Accounts
  • Dental and Life Insurance
  • Small Office Copays

Medical Mutual of Ohio

  • Largest Ohio Network
  • Health Savings Accounts
  • Farmers Bureau Coverage
  • Stand Alone Dental & Vision
  • Competitive Premiums