Health Insurance Coverage

You can always work with one of our knowledgeable agents to help you narrow down your options, but if you would rather view direct quotes on your own – please feel free to use the links on this page.

There are no markups or added costs to use us. Your quotes generated from the links on this site are the lowest prices online. If you qualify for a tax credit or federal subsidy, we can also help you apply for insurance on the federal exchange while better understanding your options.

Health insurance prices are controlled by law, so you will not find better rates for the same insurance anywhere else on the Internet, in person or by calling each company yourself. Our goal is to make it easy to shop. You can compare all plans side by side.

We also help our clients with ancillary products like dental and vision insurance. Additionally, we offer life insurance, disability income plans as well as accident and illness coverage.

You may have questions as much has changed and continue to change with health care reform. Please feel free to call us for personal service. There’s a lot to navigate with the ACA, but we take the guesswork out of it. With our software, you can check prescription costs and make sure your doctors are in network for the plans you prefer.

We work with health insurance plans both on and off the Federal Health Insurance Exchange. If your income and family size allows for a tax credit, we can help you find and enroll in subsidized coverage that best fits your needs.

Tax credit amounts will differ for most. They are based on the number of insureds and your estimated yearly income. The subsidies are an advanced credit – so it’s best to keep track of your income through the year in case you underestimated your yearly pay.

The government will claw-back your tax credits if you ended up earning more than you thought at the end of the year. If your income has increased, then we can help you report that to the Marketplace so you don’t have any unpleasant surprises at the end of the year.

Credits are also affected by where you live as the federal poverty level differs from state to state. And if you’re below certain levels, you may qualify for Medicaid. You can check your level of subsidy using their website.

We offer Minimum Essential Coverage benefits as required under the Affordable Care Act. There are various metals to describe each plan, including: Young Adult, Bronze, Silver, Gold & Platinum.

The penalty for not having health insurance has been removed, but it could return in the future. Some of our clients choose short term health insurance plans to cover major items. These plans are popular as they have some of the lowest premiums available. And you can keep them year round. In fact, you can purchase short term plans to last 1-3 years in most states.

This means you only need to pass medical underwriting one time. There are limitations with short term coverage, however. It’s best to speak with an agent before enrolling. We can guide you through the pros and cons of these types of policies.

According to Health and Human Services, over 11 million people have enrolled in Marketplace health coverage either on the federal or state exchanges as of 2020. This has brought the overall uninsured rate down to 11.9% in America. Of the 11.7 million enrollees, approximately 87% qualified for a tax credit. Approximately 11 million more people qualified for coverage due to expanded Medicaid and CHIP (Children’s Health Insurance Program) plans.

It’s important to note that you can only apply and receive a tax credit by applying on the federal exchange. You can window-shop and estimate your premium credit by entering some basic information about your household here. If you are unsure, we can walk you through the process online together.

We are centrally located in Columbus, Ohio and we serve several states across the country.  Our goal is to make it quick and easy for you to compare your options, price plans, and enroll in the most affordable health insurance plans that best suits your needs and budget.

With our insurance, you will be compliant with the law while also having the peace of mind knowing that you are insured for the unexpected. Contact us today and we can help you find the health insurance coverage that is best for you.