The laws surrounding individual health insurance continue to change. Premiums have increased drastically and health insurers have come and gone from the Marketplace (aka Obamacare) - impacting your healthcare choices. Most people don’t realize that there are other options available if you don’t have access to an affordable employer plan and don’t receive a premium tax credit for Marketplace plans.
“Ashley has been amazingly supportive, always punctual, and answering my e mails and my concerns quickly and with details.
She continues to be of excellent support to me and my family and I am so grateful for her services.”
That’s right, there are lower-cost, more flexible plans available. It is possible to tailor your health insurance to meet your needs and budget.
Earlier this year, we designed a benefit package for a client and his family that saved them a significant amount of money. By applying our industry experience and market knowledge (and a little bit of creativity), we were able to lower the monthly premium by $1,200 per month for the family of five and reduced the deductible on their new plan by $3,500.
That’s an annual premium savings of over $14,00 while lowering their exposure to high deductible costs by an additional $3,500. That’s almost $18,000 in yearly savings! Think about what you could do with an extra $18,000 in one year.
While the Marketplace (aka Exchange or Obamacare) provides essential coverage to a specific population, it is not the right fit for everyone and many people pay extremely high premiums for plans that likely won’t benefit them much. Others face the difficult choice of paying for insurance that their budget does not allow for because their income is too high for premium tax credits, or taking the risk of going without coverage
Changes made by the current administration for 2019 work in your favor by broadening your plan choices and allowing you to match your insurance coverage to fit your healthcare needs and your monthly budget. With more choices, your decision may be more complex, which is where having a trusted resource to help you make the right decision can play an important part of your medical and financial health.
We keep up with the changing laws and healthcare landscape, so you don't have to. Call us today and we will help you find a healthcare solution that is that is tailored to your needs while protecting your monthly budget.
Contact us for more information.
“Ashley is Awesome! She thoroughly explained my benefits and made a complex subject very easy to understand. ”