Health Insurance
Getting coverage is now guaranteed.
Do you pay way too much for health insurance?
Did your employer find it too expensive to provide you and you family with health benefits, so they dropped their coverage?
This stuff is expensive! I’m an insurance agent, but I don’t like to pay premiums any more than the next guy. Yet it is critically important.
I know a number of young folks who don’t have anything because, well, they are invincible. Nothing is going to happen to them. Right? BAD CALL! A boss of mine from long ago once told me “don’t squeeze a nickel so hard you lose a dollar.”
Simple Suggestions
DON’T BE AFRAID OF HIGHER DEDUCTIBLES
Higher Deductibles = Lower Premiums
SHOP REGULARLY
At least every 3 years.
ASK AN EXPERIENCED AGENT
If there are ways to manage these deductibles better.
WORK WITH AN INDEPENDENT AGENT
That can find the perfect plan and provider for you.
DON’T THINK THAT ONE SIZE FITS ALL
Again, work with someone who can show you viable options.
We can help you with Affordable Care Act (Obamacare) Plans, Short Term Health Insurance and Health Share Ministry options.
In the FFM (Federally Facilitated Marketplace)
You can choose from 5 plans called the Metalized plans. Prices will range starting from a low with the catastrophic plan, Bronze, Silver, Gold and Platinum being the most costly.You can choose from 5 plans called the Metalized plans. Prices will range starting from a low with the catastrophic plan, Bronze, Silver, Gold and Platinum being the most costly.
No health questions
The only items that can determine your price are; income, age, tobacco use and location. Other than these items you can’t be refused coverage.
Keep your current plan
You can keep you current plan however pay close attention to your premiums. All the reports are expecting big increases in our premiums. I’ve heard increases of 25% to 95%. Mine went up 30% in 2020.
Do you qualify for financial assistance? Maybe.
If your household income falls below 400% of the Federal Poverty Level (FPL) you will qualify for assistance. It depends on where you fall on the scale. It is not for sure 100% accurate, but it is a good starting point.
PHONE
Office 317.606.5426
Bob Adams 317.402.3171
Crystal Butler 812.272.5780
HOURS
Mon-Fri: 10am-5pm
Sat: by appt. only
Mon-Fri: 9am-6pm*
*Oct 1-Dec 7
Adams.ins@comcast.net
Crystal@robertadamsinsurance.com
LOCATION
23 S 8th St
Noblesville, IN 46060
Hamilton County