Affordable Care Act

We offer multiple health coverage options for you and your family. 

 

As a licensed agent since 2005 I can explain the plan options to you, in consideration of your health and financial circumstances. 

 

The Open Enrollment Period occurs each year from November 1-January 15, but if you have had a change in your situation like getting married, having a baby, losing health coverage, divorce or change in address you may be eligible for a “Special Enrollment Period,” allowing you to enroll in health insurance outside the yearly Open Enrollment Period. 

 

These are comprehensive health insurance plans with no pre-existing limitations and no dollar limits for how much they will pay for medically necessary health treatments. These plans are for ages 18-64. 

 

These plans are underwritten by many of the largest, nationally known insurance carriers, and are guaranteed issue if you are within certain income ranges, as long as the applicant is a legal resident. 

 

Contact us today!

When the Affordable Care Act (ACA) was introduced, it did not allow dependents of employees who were offered an employer based health plan to enjoy the savings offered by the ACA. 

 

Now, for the first time, millions of those “employee health plan dependents” may qualify for a Subsidy which could dramatically reduce the cost of their health coverage. 

 

Because of the recent guidance by the current Administration, there is now a Fix to the Family Glitch and it allows us to help employers, employees and up to 5.1 million dependents this year save thousands of dollars on their dependent health coverage.  

The Family Glitch Fix platform helps provide healthcare coverage for dependents (spouses & children) of employees. 

 

If the employee’s cost for the employer health plan, including dependent coverage, exceeds 9.12% of the household monthly income, the dependents may be eligible for financial assistance (subsidies) through the ACA Marketplace. 

 

The employee who has health coverage on an employer plan will remain on that health plan. Employees who are covered of offered coverage on an employer health plan cannot get a subsidy for an individual plan.  But many employees pay a lot for their dependents to be covered on the employer group health plan, and many of them cannot afford to be on the employer plan at all!

 

If you’d like to see if you qualify for a subsidy and learn more about possibly enrolling please call 435-574-7039 or email karyn.goddard19@gmail.com

I’m an Employee…

 

The US government has recently made available the “Family Glitch Fix” to reduce healthcare costs for your spouse and/or children!

 

For a family of 4 (parents age 45) making $75,000 a year, we can usually cover the 3 dependents with a comprehensive health plan from a national carrier for under $10 a month!

 

We also help small business who can’t afford health coverage at all! – We can help!

 

I’m an Employer…

 

The “Family Glitch Fix” is now available to reduce healthcare costs for the spouse and children of your employees. Making dependent coverage more affordable will help you recruit and retain great employees! 

 

If you’re contributing to the cost of dependent coverage, we may be able to save you a significant amount of money, and the employee saves as well.  These are individual plans not group plans.