Save on monthly premiums by choosing a high deductible HSA eligible bronze plan.
Offset your high deductible for accidents and critical illness, with an accident/critical illness plan.
Lower your taxable income and possibly increase your subsidy by setting up and contributing to a health savings account.
It does not cost you any more to have an agent. Let us help guide you through the process. We help make things simple which help save you time and money.
As you review the steps below don't forget to book an appointment today
High deductible HSA eligible bronze plans can have a significantly lower monthly premium than most silver plans if you do not qualify for a subsidy or if you qualify for a monthly premium subsidy but not a cost share reduction to lower your other cost. You can use the money you save to cover doctor visits and so forth. By utilizing an HSA account the money you use to pay for those expenses will now have tax advantages. Make sure to talk to your accountant about the tax benefits of an HSA account.
The health insurance marketplace can provide a subsidized premium for people whose incomes are up to 400% of the federal poverty level. If you are not offered health insurance through your work you may qualify. Click on the "SHOP MARKETPLACE PLANS" to shop and compare plans. You can only get a subsidy through the Marketplace. If find that you do not qualify and there is no possibility that you will qualify for a subsidy then click on "NON MARKETPLACE PLANS" to shop plans off of the Marketplace.
As you shop for plans it will say HSA eligible in the name if it is a qualified HSA plan.
As you shop for plans you will see these abbreviations for the coverages the plan includes.
AME = Accident Medical Expense:
CHS = Cancer and Heart/Stroke
As a reminder you must have a qualifying HSA health insurance plan in order to qualify for the tax benefits of contributing to an HSA. Contributing to an HSA can also help lower your modified adjusted gross income which is used the determine your monthly subsidy with the marketplace. There are many great resources for setting up an HSA. Health Equity tends to be a very popular resource. Click below to learn more on their web site.