Health Care Options for Groups & Families

The health insurance marketplace is now open for individuals!  This is great if you qualify for a subsidy, but, if like many, you don’t, it can be a confusing time amidst overwhelming choices of what to do.  Luckily, whether you’re a group, an employee, or an individual, no matter where in the United States you live, you have a broker who can help!

New Small Groups

November 15 – December 15 is a Special Enrollment Period under the Affordable Care Act (ACA) for employers in the small group market who previously did not offer group health insurance before to give their employees access to better rates than employees would get on their own and without the employer having to contribute to the employees’ premiums.  We can help you choose your plan and provide ongoing support.

Existing Groups of Any Size

Now is the time to review your existing group plan and look to all carriers for options that may better fit the needs and budget of your group with a broker that will provide ongoing support every step of the way.

Individuals and Families

Employer’s Group Plan:  If you have access to a group plan or COBRA, you will need to decide if you can afford it and if it meets your family’s insurance needs and budget. Employers’ open-enrollment periods do not necessarily coincide with MarketPlace open-enrollment.  Contact your employer’s HR representative or broker for more details.

MarketPlace: Subsidies are only available to those with low-income who don’t have access to an affordable group plan. MarketPlace open-enrollment is November 1 – December 15.

Individual Health Insurance direct through carrier: You can get help from a broker to navigate the sea of options available to you.  Call us today for help.

Medicare, Medicaid, CHIP, VA Health Care System, Indian Health Service: These options have requirements such as age, income, residence location, family size, veteran status, and tribal affiliation.

Options Other than Major Medical Insurance: Such as Direct Primary Care, Health Shares, Gap Insurance, Discount Plans for Rx, Dental, and Vision, Individual Indemnity Plans such as Accident, Cancer, and Critical Illness.  Products can be used with or without health insurance.  Let us help you evaluate your needs and create a package that helps you afford out-of-pocket medical expenses.