Health Insurance
The Patient Protection and Affordable Care Act, commonly known as Obamacare, changed the landscape for health insurance dramatically. While some of the changes were positive, such as removing the ability of insurance companies to underwrite exchange policies based upon health, the result has been spiraling premiums and deductibles through the roof. In essence, what the PPACA did was force everyone on the exchange to purchase policies rated for high risk individuals. If the PPACA had been car insurance, everyone would be paying the same rates as people with 15 speeding tickets, no matter what your actual driving record is.
At the same time, it led to an explosion of limited benefit or “mini-med” plans. These plans are marketed as an alternative to expensive Obamacare plans, but their benefits are strictly limited. The most popular one in Texas has a maximum surgical benefit of $25,000. That’s all it will pay, the rest of the bill is on you. How much brain surgery do you think you can get for $25,000? The problem facing the consumer who has to purchase their own health insurance is how to determine quality coverage from junk coverage, while at the same time making sure that they’re not going to be stuck with a plan that doesn’t pay anywhere near enough if they are faced with a major medical incident.
We can help you figure it all out.
Our health insurance expert, Dave Walcher, has 25 years experience navigating an increasingly confusing health insurance marketplace. He can’t tell you what to do – but he can make sure you understand what all of your options are. We don’t represent any plans that don’t offer unlimited benefits for covered charges. Simply put, as Dave has been known to say, “I never wanted to get that call. Baring someone on a bridge plan to the ACA, I never wanted to get a call from a client telling me that they came to me for health insurance, and the “insurance” plan left me facing bankruptcy when I had a heart attack. I won’t do it.”
We also tell our clients that part of what they get is us. We’re here. We’re your agents. Not just on the day you apply, but 10 years down the road. Every client has our cell numbers. Believe us, we’re a lot easier to get on the phone than Blue Cross.
We look forward to helping you work through your personal situation to find the BEST health insurance for your needs.
Already chosen an ACA plan?
If you’ve already chosen the ACA plan that’s right for you and only need to enroll, please click the button below. The Healthcare.gov website is a hot mess, it takes 20 minutes to do what should take 5. We’ve partnered with Health Sherpa to give you access to a simple and efficient online tool that will allow you to choose a plan, claim any applicable subsidies, and enroll online seamlessly. There’s even a direct 800 number if you would prefer to speak directly with an enroller rather than entering all the data yourself! It doesn’t get any more convenient than that! Please contact us if you have any questions at all, but if you know what you want and are ready to sign up, this is the Easy Button!