Choosing the Right Coverage for You

These plans, also known as Obamacare plans or Public plans, are offered through the Health Insurance Marketplace. ACA plans provide comprehensive coverage, including essential health benefits such as preventive care, hospitalization, prescription drugs, maternity care, and mental health services. They are available to individuals and families, and eligibility for financial assistance is based on income.

Private Underwritten plans involve a thorough assessment of an individual's health status before coverage is granted. These plans typically consider pre-existing conditions and may exclude coverage for certain conditions. Premiums for underwritten plans are often based on an individual's health history, making them a potential option for those in good health.

Short-term health insurance plans offer temporary coverage for limited durations, typically on a 3 month term. These plans are designed to bridge gaps in coverage, such as during a job transition or waiting period for other health insurance. Short-term plans may have lower premiums but often provide limited coverage and do not include all essential health benefits

Health sharing plans, also known as medical cost-sharing programs, involve a group of individuals who share medical expenses. Members contribute monthly payments, which are then used to cover each other's eligible medical costs. Health sharing plans often have specific eligibility requirements and may not provide coverage for certain conditions or treatments.

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Supplemental plans, also known as ancillary or gap plans, are designed to complement existing health insurance coverage. These plans provide additional benefits or coverage for specific services, such as dental, vision, or prescription drugs, accident protector, critical illness protector. 

Supplemental plans can help fill gaps in coverage and reduce out-of-pocket expenses for specific healthcare needs.

Find the best health insurance plans that are tailored to meet the needs of your small business and your employees. We'll help you choose the right coverage at the right price.

Employer-sponsored health insurance plans are provided by employers to their employees as part of their employee benefits package. These plans vary in terms of coverage and benefits, and the cost of premiums is often shared between the employer and cthe employee. Employer plans may offer a range of options, including different levels of coverage and network providers.Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

COBRA (Consolidated Omnibus Budget Reconciliation Act) allows eligible individuals to continue their employer-sponsored health insurance coverage for a limited period after leaving their job. COBRA plans provide continuity of coverage but typically require the individual to pay the full premium cost.