Health Insurance

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Health Insurance

If you are over 65 give our office a call and we will be happy to walk you through the 30 min or less process of getting set up with Medicare, 616-896-4600 or email us at info@shieldagency.com

If you under 65 you may call us direct at 616-896-4600 or click here to get a free and fast health insurance quote. You may also accept the quote and start being covered at the end of the questionnaire if you wish! (NO-ONE except Andy Simmons will see what you input) And please let us know if you saw one of our ads.

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We can help you navigate your health insurance options.  We are certified to sell the new Affordable Care Act (ACA) health insurance plans ON or OFF the Marketplace.

We represent several companies including, 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.  Also, it does not cost you more!! Many people think that if they use an agent, their insurance premiums are higher.  Nope!

Once you learn what your tax credit will be (or not) and research the plans a bit by clicking the quoting link above, you can give us an email or a call and we’ll help discuss your plan options.

If you are sure you won’t qualify for a tax credit, then I would recommend signing up for a Priority Health plan since, 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 November 1 to December 15, which means that there are only certain ways that you can purchase a new plan outside of open enrollment.  To see if you are eligible to sign up outside 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 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  We usually recommend the ‘Medical Plus’ plan.


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

If your household makes less than 250% of the Federal poverty 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.)

Example of estimating (using fake numbers!)

  • If you estimate $40K, you would earn a $500 tax credit per month
  • If you estimate $50K, you would earn a $400 tax credit per month

So if you estimate $40K, but you actually earn $50K, then you would have to pay back $1,200 when you do your taxes. [ (500-400)x12]

But the opposite is also true… if you estimate $50K, but only make $40K, then you get $1,200 added to your tax returns

Federal poverty Level Chart (eff. 1/25/19 – 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.

Use the chart below to determine your potential tax credit for 2020.  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.

Sharing Lives, Faith and Resources
For thousands of years, Christians have come together to care for each other and carry each other’s burdens. In 1993, a formalized approach to sharing healthcare burdens began with the Medi-Share program. Today, more than 25 years later, the Medi-Share program now serves more than 400,000+ members, with more than $3 billion dollars in medical bills shared and discounted since inception.

We’re licensed to sell Medi-Share. Please Click Here to learn more about the program.  If you are healthy and Christian, this could be a great idea for you.

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 15 minutes.  616-896-4600 or email us at info@shieldagency.com