Get Health Insurance Premiums
Why You Need It, and How We Help
Similar to Auto Insurance, health insurance is required by law. The great news is that unlike auto insurance, the government may actually pay for some or all of your coverage. Last year, 8 out of 10 people who enrolled in a health insurance plan qualified for financial help. Some monthly premiums are as low as $75 or less. Make sure that you are covered properly. The penalty for not having health insurance has increased. If you don't have health coverage in 2018, you risk having to pay upward of $700 for the year. Don't delay. Submit your application and select a 2018 insurance plan today.
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Commonly Asked Health Insurance Questions
Q: What are the enrollment deadlines for 2018 coverage?
A: According to healthcare.gov the following apply:
November 1, 2017: First day to enroll, re-enroll, or change a 2018 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2018.
December 15, 2017: Last day to enroll in or change plans for coverage to start January 1, 2018.
January 1, 2018: 2018 coverage starts for those who enroll or change plans by December 15.
January 31, 2018: Last day to enroll in or change a 2018 health plan. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
Q: If I don’t have health insurance, how much is the fine?
A: The fee is calculated in 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever amount is higher.
- 2.5% of household income per person OR $695 per adult
- $347.50 per child under 18
- Maximum of $2,085
Q: Do I qualify for a government subsidy?
A: When you apply for coverage with us, you’ll find out if you qualify for a “premium tax credit” that lowers your premium. A premium is the monthly amount you pay to your insurance provider. Your premium tax credit amount depends on your estimated household income for 2018.
Q: What if I already enrolled for coverage, but want to change my plan?
A: You can change your plan any time between November 1st and January 31st. See the important dates listed above for more info.
Q: What if it’s difficult for me to find coverage due to unique circumstances?
A: Our specialists are well trained to assist those whose situations can make shopping for coverage more complicated. Give us a call today. We’ll help you find coverage that best suits your needs and provide you with useful information so you have peace of mind.