ACA Health Insurance
If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Health Insurance Marketplace can help you get coverage.
A big myth is the thought that obtaining individual health insurance through a local, independent insurance agent is more expensive than going direct to a company. That is simply not true! We have a relationship with insurance carriers that allows us to offer you the right product, with the right company at no additional cost to you.
Coverage is available on-exchange (Marketplace) or off-exchange. In Utah, on-exchange is the same as the federal Marketplace. Off-exchange, there may be many choices of individual health insurance plans available, but subsidies are not available to help offset the premium. Using the Marketplace, individuals may qualify for subsidies and may even qualify for additional assistance called cost sharing reduction (CSR). Modified adjusted gross income is used to calculate the subsidies and CSR.
Since there is no additional cost to you, let me help you quickly calculate your subsidy, potential cost sharing reduction, provide info on metal tier levels (i.e cost sharing reduction is only available on silver level plans), and help you narrow down your plan options.
As an independent insurance agent, I provide a variety of Medicare Advantage plans, Medicare Supplements, individual health insurance, and final expense plans from highly rated insurance carriers. Let me know how I can assist you.
Supplemental Insurance
There are also other plans available that can help supplement your health insurance coverage:
- Dental Insurance and Discount Plans
- Hospital Indemnity Plans
- Cancer Plans
- Accident Insurance Plans
- Chronic Illness Plans
Let’s discuss a plan that fits your needs and budget.