The Individual Mandate section of the Affordable Care Act requires most adults and families to have health insurance by January 2014 or they will have to pay a penalty.
The Health Insurance Marketplace, also known as a Public Exchange, may save you money on the cost of your health insurance. You may even qualify for premium subsidies to pay for your coverage.
The Health Insurance Marketplace opened to individuals on October 1, 2013. There you can shop for competitively priced policies and possibly qualify for a tax credit by filling out just one application.
Insurance Considerations for Employees
If your health insurance plan has reduced benefits such as dental and vision, or has increased deductibles and co-pays, contact us!
We will help you obtain premium discounts and tax savings to replace benefits that have been reduced, and to cover rising deductibles and co-pays.
Long Term Care requires advance planning. The cost of care will surprise you. Protect your assets and your family. Read more…
How many pay checks could you afford to miss before your would not be able to pay your rent or mortgage, buy groceries, pay the electric bill, and keep your phone connected?
Loss of income resulting from accident or illness is the leading cause of bankruptcy – even for those with health insurance. (1)
Protect your income!
Voluntary accident and illness disability insurance is an affordable and fiscally responsible way to fill the gaps in your major medical insurance policy. Click here to learn more.
Ask your employer about voluntary accident and illness disability insurance. If your employer does not offer voluntary benefits, contact us and we will help you. It will cost your employer nothing and you gain access to income protection, premium discounts, and tax savings.
Your Credit Rating and Insurance
Do you pay your bills on time but have been turned down for housing or credit? Have you been charged a big deposit for an apartment, cell phone or utility service? Have you been offered only sky-high interest rates for an auto loan or other credit? Learn about what some experts call the “best kept secret in the history of financial services” – The Equal Credit Opportunity Act, Regulation B (ECOA, Reg B)
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(1) Medical Bankruptcy in the United States, 2007: Results of a National Study. David U. Himmelstein, MD (a), Deborah Thorne, PhD (b), Elizabeth Warren, JD (c), Steffie Woolhandler, MD, MPH (a) a-Department of Medicine, Cambridge Hospital/Harvard Medical School, Cambridge, Mass; b-Department of Sociology, Ohio University, Athens; and c-Harvard Law School, Cambridge, Mass.