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Health Insurance Decisions

To have us quickly quote you and recommend a plan, please CLICK HERE to fill out a very quick form and we'll email you some great options for you, OK?

We can help you navigate your health insurance options for 2017 or 2018.  We are certified to sell the new Affordable Care Act (ACA) health insurance plans ON or OFF the Marketplace, so please give us a call to get insured now!  We represent Blue Cross, Priority, United Health Care, and Humana so we can definitely find a plan that fits your needs.

First of all, there's one decision that will be simple - whether or not to use an agent.  You have nothing to lose and a lot to gain by using an agent.  Please click here to see some of the value of using an agent to help you with all of your insurance needs.  And also, it does not cost you more!!  Many people think that if they use an agent, their insurance premiums are higher.  Nope!

Honestly, the quickest way to work it is to simply visit the government website by checking out this website https://www.healthcare.gov/see-plans/  and answering the simple questions.  However, do NOT sign all the way up that way!!!  Once you learn what your tax credit will be (or not) and research the plans a bit, you can give us an email or a call and we'll help discuss your plan options.  If you do want to go ahead and sign right up WITH a tax credit and still have us be your agent for future help with billing and claims issues, you can sign up directly at that site.  You will get to a point where you can check a box that says "another person is helping me complete my application".  Check that box, then fill in my name Andrew Simmons, and my ID number, which is 7902766.  If you'd rather do a phone call instead of typing your info on the internet, you can call the number at 800-318-2596, but we REALLY don't recommend that!  You should just call us!

If you are sure you won't qualify for a tax credit, then I would recommend signing up for a Priority Health plan since, for 2017, in my opinion, they have the best combination of price, customer service, and coverage.  Click here to sign up in 5 minutes.

Open Enrollment is from 11/1/16 to 1/31/17, which means that there are only certain ways that you can purchase a new plan outsite of open enrollment.  To see if you are eligible to sign up outsite of open enrollment, please click here.  If you are not eligible to purchase a new policy, you will have to wait until the next open enrollment period,  OR,

Some folks are choosing to purchase Short Term policies, which will NOT get you out of the tax penalty (2.5% of your income for 2017!), but are significantly less expensive than the new ACA policies so you would still end up money-ahead.  To get a quote for that, please click here and choose a 'short term' option.  We usually recommend the 'Medical Plus' plan.

Got 10 minutes to learn some info about the rate increases for 2017 to help understand a bit more?  I found this site and I think it's helpful....

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Some Math behind the logic of the tax credit.....

If your household makes less than 250% of the Federal povery level (FPL), then signing up ON the Marketplace will benefit you most.  Especially since you will not only receive help paying your premium (Advance Premium Tax Credit = APTC), but you'll also get help paying your deductible and other things to help reduce your out of pocket exposure (Cost Sharing Reductions = CSR).  If you make between 250% and 400% of the FPL, then you will get a tax credit, but it won't be as much  (You'll just get the APTC.)

Use the chart below to determine your potential tax credit for 2017.  The household size would be for the people that you claim on your taxes, whether they will be on the plan or not.  More details found here.

Federal poverty Level Chart (eff. 1/25/16) - estimated household income (Adjusted Gross - line 37 of your fed 1040 tax form is not 100% accurate, but it is the easiest way to get a very close estimate).  More specific details found here.

Household size 100% 138% 150% 200% 250% 400%
1 12,060 16,643 18,090 24,120 31,150 48,240
2 16,240 22,411 24,360 35,480 40,600 64,960
3 20,420 28,180 30,630 40,840 51,050 81,860
4 24,600 33,948 36,900 49,200 61,500 98,400
5 28.780 39,716 43,170 57,560 71,950 115,120
6 32,960 45,485 49,440 65,920 82,400 131,840
7 37,140 51,253 55,710 74,280 92,850 148,560
8 41,320 57,022 61,980 82,640 103,300 165,280
each additional 4,180 5,768 6,270 8,360 10,450 16,720
What you should qualify for and choose... Medicaid Medicaid 94% Silver plan includes huge CSR!!! 87% Silver plan includes CSR!! 73% Silver plan includes CSR! no CSR, but APTC, so choose any plan



Please call or email us any time and we'd be happy to walk you through this process.  We can usually get you fully signed up in under 30 minutes.  616-896-4600 or email us at info@shieldagency.com