Health Insurance for Individuals and Families

...important to have, confusing to buy, and often very expensive.

It’s Harder than Ever to Find the Right Plan

Beginning with the introduction of the Affordable Care Act and the Healthcare Marketplace in 2013, and going through the American Rescue Plan of 2021, the individual and family insurance segment has faced significant changes in recent years. The good news is that many people qualify for more savings and lower costs than before. The bad news is that everything is just a little more confusing.

With the Healthcare Marketplace

  • ACA covers pre-existing conditions.

  • Open enrollment is from November 1 - December 15, for an effective date of the following January.

  • People with Special Enrollment Periods may enroll throughout the year.

  • Premium tax credits mean lower premiums for those people with household incomes below 400% of the federal poverty level.

 

With the American Rescue Plan of 2021

  • Premium tax credits are now available to anyone paying more than 8.5% of their family’s household income towards their premiums at 8.5%, based on the cost of the benchmark plan.

  • More people than ever before qualify for help paying for health coverage.

  • Premiums after new savings will decrease, on average, by $50 per person per month or by $85 per policy per month.

  • According to CMS.org, four out of five enrollees will be able to find a plan for $10 or less/month after premium tax credits, and over 50% will be able to find a Silver plan for $10 or less.

What if You Don’t Qualify for Marketplace?

If you don’t qualify for help through the marketplace, there’s plenty of other options. I’m a licensed health insurance broker based in Nashville and appointed in Tennessee with BlueCross BlueShield, Cigna, UnitedHealthcare, Bright, Oscar, and AmBetter and also represent Medi-Share, a Christian co-operative healthcare provider. Everyone has a unique situation and I can help you choose the plan that fits your needs best.

 

Want a quick quote, without having to set an appointment or talk to anyone?

We can help - and we won't call, text, or email just because you're checking rates.

Just go here, enter some information, and get the best quotes from the insurance companies we represent. Then, you choose the plan that works best for you and enroll. It’s that easy!

 Short Term Plans

Short term plans can now be written for a period of up to 3 years less one day in Tennessee.  The premiums are lower than what is found in the ACA plans because the coverage is not as comprehensive. However, these plans are available to be written year round and have an effective date of the following day in many cases.

These plans serve an important role and can save you a good amount of premium, but please note that the those plans are underwritten to health conditions and won't cover many pre-existing conditions.