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Individual & Family Health Insurance

Finding Affordable Health Insurance Can Be a Challenge 

Contrary to popular belief, everyone has a need for health insurance. The healthiest person in the world can fall victim to an injury. Health insurance is a way for you to protect your assets in the event of a catastrophic event. Approximately half of all bankruptcies filed are a result of medical expenses on the uninsured or “under insured.”

Our Benefit Advisors work with every client on a “One on One” basis to identify their needs, prepare multiple options, and assist them in the decision making process. Whether you are under the age of 65 looking for an individual or family plan or over the age of 65 and looking for a Medicare planWe would love the opportunity to put our experience to work for you!

PPACA Subsidy Qualification

The Patient Protection and Affordable Care Act (PPACA) allows for government subsidies to help individuals and families purchase health insurance through the Health Insurance Exchange. To qualify for a subsidy you must be a legalized United States Citizen, have an household Modified Adjusted Gross Income (MAGI) of less than 400% of the Federal Poverty Level (FPL), and not be eligible for affordable coverage through your employer. 

Here are some income approximations at 400% of the Federal Poverty Level for 2024

Single Person - $58,000 per year
Couple - $79,000 per year
Family of 4 - $120,000 per year

Please CLICK HERE for a useful guide on calculating "Modified Adjusted Gross Income (MAGI)" 

Please complete this form as accurately as possible. A licensed, insured, and PPACA certified advisor will review your information and provide you with an estimated subsidy amount to utilize in the Health Insurance Exchange. Once this step is completed, our advisors will work with you on a one-on-one basis to answer any questions you may have, explain the available plans in your area, and walk you through the enrollment process at your convenience free of charge!

Click to Qualify