Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Health Insurance Information
Health Insurance for Individual/Families
2018 Open Enrollment Period is November 1, 2017 through December 15, 2017. This is the only time you can apply for coverage or change plans for 2018 unless you have a Qualifying Special Event.
In 2017, all individuals/families must have health insurance or they will be subject to a penalty of 2.5% of Household Income with a minimum of $695 for an individual and $2085 for a family
Shopping for health insurance for individual and families can be as easy as 1 – 2 – 3 !
Is it possible that I may qualify for a government advanced tax credit/subsidy to offset the cost of my monthly health insurance premium?
Two questions must be answered:
1. Does my employer offer a health insurance plan to me and is it deemed affordable (employee doesn’t pay more than 9.5% of their income towards coverage for a single person rate)?
- No – Then I may qualify for the tax credit Proceed to step 2
- Yes – Then I am not eligible for a tax credit. But I can still purchase individual/family coverage without a subsidy. Proceed to step 3
2. Is my Household income below the threshold for a tax credit?
|Number of People in Family
||Annual Household Income
Or you can utilize this tool to determine if you may qualify:
If you were able to answer yes you must proceed to the Federally Facilitated Marketplaceto apply for the tax credit and chose from over 52 plans that are available.
Keep in mind Open Enrollment is available through 12/15/17. After that deadline, you have to qualify for a special enrollment period due to your individual circumstances such as ( change in dependents, loss of employer coverage, etc.)
Proceed to www.healthcare.gov and apply
When prompted by the question/screen “Is anyone assisting you with this application” Enter:
By entering this information I will be able to assist you with the plan selection and ultimately be your agent on the plan you purchase.
If you are not eligible of a tax credit, you may purchase individual/family coverage from any carrier at any time.
Get a quote and purchase coverage from one of Michigan’s top health insurance providers call 877-832-6690.
When comparing and reviewing plans be aware that the government has standardized plan value, but not plan deductibles, copays, and out of pocket maximums. The following table shows the government criteria for plans based on actuarial value:
|Government Criteria For Plans Based on Actuarial Value
|Platinum– Insurer pays 90% of medical expense, Insured pays 10% of medical expense
|Gold– Insurer pays 80% of medical expense, Insured pays 20% of medical expense
|Silver– Insurer pays 70% of medical expense, Insured pays 30% of medical expense
|Bronze– Insurer pays 60% of medical expense, Insured pays 40% of medical expense
|Catastrophic Plans– Available to those under 30 years of age only.
When shopping for plans pay particular attention to the following plan options:
Review your plan options and determine a budget and feel free to call our office at any time and our team of agents will help you compare plans and make a choice that fits your needs.