DID YOU KNOW???

One side of the Healthcare Market contains 95% of the health coverage options available to anyone. Those plans are found on the ACA Marketplace - commonly called Obamacare. The idea behind those plans is that they accept ALL US citizens regardless of any current health conditions they may have. Those plans will always accept you and they will always provide benefits for your situation regardless of any present illness or injury. Based on this risk factor, and many others, the cost of an individual or family health plan is different for each unique situation. A few factors that determine health plan cost are...

- ZIP Code

- Gender/Age

- Household Size

- Household Income - (ACA Marketplace savings are based on your expected MAGI household income for the year you want coverage)

The other side of the Healthcare Market is with plans offered through state regulated private companies which work similar to ACA health plans. These plans are tailored for self-employed professionals, business owners, or any individual that cannot afford coverage through the ACA. Some private health carriers operate based on medical underwriting. These plans only insure low risk, healthy individuals, this way they can afford to provide stronger, more affordable health coverage options as an alternative to ACA plans or other private plans. Some private plans will insure anyone with any health condition as well, however, you will pay more for those plans as they are also accepting medium and high-risk Americans. When the risk goes up, the cost goes up.

If you answered “NO” to any of these questions…

LET'S GO TO WORK FOR YOU!