The everchanging rules and regulations of health care plans as well as time constraints make it imperative to understand your unique situation, so you can make the right choice for your health insurance.
Under 65 Market
Health insurance can be sold to cover individuals or groups. Access to health care may vary across groups, and individuals, largely influenced by social and economic conditions as well as the health policies in place. With the advent of the affordable care act we are seeing these policy’s function on a high deductible basis and in most cases a high premium basis. If your income is below a certain threshold, you may qualify for assistance through the exchange. If your income does not allow for a subsidy, you can expect to pay a high premium. Contact us today to get the support you need acquiring a health insurance plan that makes sense for your situation.
65 and Older – Medicare
Medicare is the United States’ based health insurance program offered to individuals 65 and older, as well as people with disabilities, permanent kidney failure or Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease). The Medicare program helps with health care costs, but does not cover all medical expenses or the cost of most long-term care.