As an independent agency, Employers Benefit Group has access to many insurance companies providing medical, dental, life, disability, vision and travel insurance programs. Policies can differ widely in coverage and cost; our highly trained and dedicated staff will "shop the market" for you to find the best insurance plan and company to meet your needs.
We would be happy to provide you a free, no-obligation quote. Simply complete the Individual Health Insurance Quote Request and submit it to our office.
On-Exchange subsidies are an "advanced credit" against your estimated future tax return? If your income turns out to be different from what you estimate, you could have to pay back some or all of the premium tax credit you received when you file your tax return.
Did you know that many insurance carriers can have multiple networks available? Make sure the plan you select has the providers you want.
Did you know that outside the annual open enrollment period (November 1 - December 15) you must experience a qualified life event (QLE) to enroll in coverage?
Did you know that you should report any change in income or household size to the Marketplace as soon as possible so your tax credit is adjusted and you don't wind up owing money when you file your
We provide medical, dental, life, disability, vision and travel.
Federal subsidies in the form of premium tax credits and cost-sharing reductions are available to low-income individuals who purchase health insurance through an Exchange. To be eligible for a premium tax credit, you:
The amount of the premium tax credit varies based on your household income.
Some individuals who are enrolled in coverage through an Exchange may also be eligible for cost-sharing reductions to help them pay their medical expenses. Only those individuals with household incomes of up to 250 percent of FPL are eligible.
There are several premium subsidy calculators available online that you can use to predict your health care costs, including this one.
The world of health insurance has many terms that can be confusing. Understanding your costs and benefits—and estimating the price of a visit to the doctor—becomes much easier once you are able to make sense of the terminology.
We highly recommend you read our Blog Post that goes over these terms!