Take a positive step
Peace of Mind For More Than Just Your Health
Health insurance is an important aspect of financial planning as it helps protect individuals and families from the high costs of medical care. Protecting yourself and family against the financial hardships of medical bills does not have to be a struggle in and of itself.
Are you on your employer plan because it was the simplest route?
Most individuals believe their employer program is their best option, with ACA (Affordable Care Act) "Marketplace" plans being their only other choice. In actuality, the best options with the top insurance providers who offer underwritten policies, which are advantageous for several reasons.
There are PPO's which provide nationwide coverage, compared to most Employer and Marketplace plans, which offer EPO's or HMO's which keep your network confined to your county or state.
Premiums are based on your health, not your income. If your income exceeds $50k annually and you are on a Marketplace policy, you are substantially overpaying.
Most employers contribute towards the employee's portion, but not the spouse or dependents.
Private options allow you tax deductibility, whereas an employer is writing off their employee contribution
Did you know......
The #1 reason for bankruptcy is due to medical bills
Health insurance helps to protect you from the high costs of medical care. Without insurance, a single hospital stay or major medical procedure could result in tens, if not hundreds, of thousands of dollars in out-of-pocket expenses. When you can keep yourself and family covered for the price of your car insurance, there is no reason to become part of this statistic.
Working Smarter, Not Harder
Benefit From Your Work
If you work hard, are successful, and earn a higher income than the average American, then stop penalizing yourself by paying more for insurance, just to help cover everyone else's premiums.
Families
Families have several factors to consider when choosing a health insurance plan, such as the type and extent of coverage, the premiums, out-of-pocket costs, and the network of providers. It is important to carefully review and compare the options available to find a plan that meets the needs of the entire family at a price that is affordable. That's where we come in!
Individuals
Those without insurance are statistically more hesitant to seek medical attention when they need it, which inevitably leads to more serious health problems down the road. Insurance covers
If you have a spouse or dependents on an employer provided policy, you are overpaying for the family and could save hundreds of dollars per month.
Small Businesses
Whether you are self employed, or own a small business growing with employees, you can attract top tier talent by offering benefits of top tier coverage, while keeping your business expenses to a minimum.
There are even options that alleviate the concern for COBRA when parting ways with an employee, by allowing them to split off from the group while still retaining the same discounted rate.
Take a positive step
A partnership for the future of healthcare
We are with you for the life of the policy. While you can always call customer service, you also have the peace of mind knowing you can directly text or call your agent 24/7 whenever you need assistance or have questions, knowing you're getting help from someone who knows your unique medical situation better than anyone.
Tiers of Health Insurance
There are three main tiers of coverage, in terms of access to doctors and out of pocket costs. A visit to an out of network facility could result in thousands of dollars more than an in network provider. The larger the network, the more peace of mind you have.
EPO
Exclusive Provider Organization
HMO
Health Maintenance Organization
PPO
Preferred Provider Organization
Hear From Our Clients
50+ years of experience and over 7,000 individuals and families have been given the peace of mind knowing they are in the best situation possible for their healthcare needs and making their finances even healthier. Hear from some of our clients below!
"Throughout the process, they were always available to answer my questions and address any concerns I had. They made the normally confusing and overwhelming process of selecting health insurance an absolute breeze."
David Mckenzie
Personal Trainer
Affordable Insurance.app
West Palm Beach, FL 33409
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