Health Insurance

Health Insurance is complicated.  We make it simple to get along with.

Health insurance has been dramatically impacted over the past several years by the Affordable Care Act (ACA).  Whether you are an employer or an individual, the ACA has impacted you to some degree.

For employers, the ACA has changed the benefit composition somewhat, adding coverage of preventive services at no cost and removing medical underwriting for small groups.  In addition, the ACA has created an annual open enrollment for employers that eliminates the need for minimum participation rates.

For individuals, the ACA has removed all medical underwriting for individual policies and provides for guaranteed issuance if applied for during a Special Enrollment Period of Open Enrollment Period.

Whether you are looking to purchase an individual or group plan, there are many important considerations to find the right plan.  Please contact us so we can continue this conversation.

Check out our blog for some additional resources.

Special Enrollment Period

Open Enrollment

Gold, Silver, Bronze?

Important Terms