HEALTH INSURANCE
Individual & Family Health Plans
We Look Forward To Helping You Find The Right Health Insurance Plan
Individual and Family Health Insurance plans provide coverage for medical expenses, ensuring that you and your loved ones can access essential healthcare services. These plans cover costs such as doctor visits, hospital stays, prescriptions, and preventative care. If your job does not offer health insurance for you or your family, you can purchase a health insurance plan directly from us, ensuring you have the protection you need.
Individual Health Insurance
The open enrollment period for individual and family health insurance plans runs November 1 through December 15 each year. During this time, you can sign up for a new plan or make changes to your existing coverage.
The Affordable Care Act (ACA), enacted in 2010, aims to make health insurance more accessible and affordable for individuals and families. The ACA introduced key reforms to the individual health insurance market, including:
1. Guaranteed Coverage: Insurers can no longer deny coverage or charge higher premiums based on pre-existing conditions.
2. Essential Health Benefits: All ACA-compliant plans must cover a set of essential health services, such as preventive care, prescription drugs, mental health services, and maternity care.
3. Subsidies: Financial assistance is available for those who qualify, based on income, to lower monthly premiums and out-of-pocket costs.
4. Mandate to Buy Insurance: While the individual mandate (requiring people to have insurance) is no longer enforced with a penalty, having coverage is encouraged to avoid high medical costs.
The ACA helps make individual health insurance more comprehensive and affordable, providing more people with access to quality healthcare.
Use Health Sherpa to get a Health Insurance Quote Today!
Health Sherpa is a certified platform that simplifies the process of finding, comparing, and enrolling in health insurance plans through the Affordable Care Act (ACA) marketplace. It provides a user-friendly experience for individuals and families to explore coverage options, check eligibility for subsidies, and access affordable plans.
We are committed to helping you find the best health insurance plain tailored to your specific needs and budget. By assessing your healthcare requirements and income level, we will identify the most suitable options for you. Additionally, we will determine if you qualify for a subsidy to help lower the cost of your coverage, making it more affordable. Our team will guide you through the entire process, ensuring you understand your choices and receive support you need to enroll in the right plan.
Small Group Health Insurance
Offering health Insurance to employees is a smart investment for business owners. It helps attract and retain top talent, as many workers prioritize health benefits when choosing a job. Providing health insurance also boosts employee morale, productivity, and loyalty, as workers feel valued and secure knowing their healthcare needs are covered. Additionally, businesses that offer health insurance may qualify for tax benefits, including deductions for premiums and potential tax credits. A strong benefits package, including health insurance, can set a business apart from competitors and contribute to long-term success.
Group health insurance plans are designed for businesses with 2 or more full-time employees. As part of these plans, the employer is required to pay at least 50% of the employee-only premium, making health coverage more affordable for your team. As an employer, you have the flexibility to offer multiple health plan options, allowing your employees to choose the coverage that best fits their needs. Our experienced agents are here to help you navigate the process, offering guidance to ensure you select the health plan options that align with your business goals and employee preferences.
