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HEALTH INSURANCE

For those not on Medicare,

Getting coverage is now guaranteed.

I am no longer certified to help you sign up for an Affordable Care Act plan (IE Obamacare or ACA). If you need help I have two terrific people I can refer you to.

However I can help you with 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.

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. To determine if you qualify CLICK HERE and plug in your numbers. It is not for sure 100% accurate, but it is a good starting point.

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Major Medical:

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."

Here are some simple suggestions: 

  1. Don't be afraid of higher deductibles. It means a lower premium.
  2. Shop regularly. At least every 3 years.
  3. Ask an experienced agent if there are ways to manage these deductibles better.
  4. Work with an independent agent that can look at several options for you.
  5. Don't think that one size fits all. Again, work with someone who can show you viable options.

Contact Me:

Bob Adams, CLTC, CCD

23 S 8th St Ste 800

Noblesville, IN 46060

Hamilton County