We work with our clients to find health and dental insurance policies that fit with their needs. We evaluate various carriers and options to provide independent, objective recommendations.
The Affordable Care Act, signed into law March 2010, requires that all individuals have compliant health insurance. Individual policies can be purchased both on and off exchange. We assist our client with the purchase of their policy. We help calculate tax credits and tax subsidies, if applicable.
The annual open enrollment period is November 1st - December 15th. Individuals are able to enroll in health insurance coverage for the upcoming year during this time period. Coverage will begin on January 1st. If you did not enroll during the open enrollment, you may still be able to enroll if you qualify for a special enrollment period.
Dental insurance is available for purchase year round.
Individuals who have a qualifying event during the year may be eligible for a special enrollment period. Special enrollment periods allow individuals to enroll in coverage outside of the annual enrollment period. Examples include marriage, divorce, birth or adoption of a child, permanent move, involuntary loss of coverage.
There are also non-traditional insurance options available. These policies are not compliant with the Affordable Care Act. They generally have a lower premiums than the full coverage health policies. Examples include temporary plans, accident coverage and critical illness policies.
Contact us for assistance. We provide expert advice and guidance.