Navigating health insurance can feel like a maze, with rules that seem to shift constantly. My goal is to make the process of finding the right coverage as easy as possible, whether you’re an individual, a family, or a business.
For Individuals and Families:
If you’re seeking coverage for yourself or your family, there are many options. If you’ve recently experienced a life change (birth of a child, marriage, divorce, moving, etc.) or lost coverage from a job, exploring ACA plans at healthcare.gov is a good start.
For those without pre-existing health issues, a Fixed Benefit Health Plan could save up to 50% compared to an ACA plan. These plans offer predetermined coverage for various healthcare needs, without a deductible. You pick and choose the coverage that fits your needs, usually at a fraction of the cost of a traditional plan.
Short-term health insurance is another option, ideal for bridging coverage gaps for up to 3 years, though it typically has a high deductible and doesn’t cover pre-existing conditions.
Considering your work situation is crucial. You may be in a position where group health insurance offers better solutions, with potential benefits for both individuals and employers.
For Groups:
Whether you’re an employer seeking to enhance your current plan or considering offering health insurance for the first time, I’m here to assist you every step of the way. Some plans require no financial commitment from the employer and can accommodate groups as small as two employees.
We can provide plans that seamlessly integrate with various financial tools such as HSAs, HRAs, and FSAs, ensuring flexibility and cost-effectiveness for both you and your employees.
Optimizing pre-tax benefits is another advantageous option. By establishing a Section 125 cafeteria plan, your employees can enjoy the benefits of pre-tax health insurance deductions from their paychecks, resulting in savings for both them and your company. Let’s explore these options together to find the best fit for your needs.
Schedule a phone call to begin discussing your specific needs today.
Related Links:
“How to Get the Most Out of Your Health Insurance”