Today’s Health Insurance Marketplace

With the passing of the Affordable Care Act (Obamacare) in 2010, the health insurance landscape has changed dramatically.  


The good news is that nobody can get turned down for health coverage and many individuals and families will qualify for government help to pay the monthly premium.


The not-so-good news:  health care costs are anticipated to rise considerably in the near future. Smart Health & Life insurance Agency & Life insurance Agency is certified to offer all health plans on and off the federal and state exchanges.


How Do I Get Affordable Health Insurance?

Protect you, your family and your business from financial ruin.  Do not take chances with your health or your financial assets. Make sure you have some sort of medical insurance in place at all times.


At Smart Health & Life insurance Agency & Life insurance Agency we are certified to offer all health plans on and off the federal and state exchanges. You would purchase a health plan on the exchange if you qualify for a subsidy.  Off the exchange if you do not, and this all depends on your qualification status.


With such a wide range of options, it’s wise to have guidance through your decision. Contact us to find out your qualification status.


How to Choose the Right Plan


Although most people have health insurance coverage through their employer, you might be looking to shop for alternatives. Even if you are a business looking to offer a comprehensive health insurance plan to your employees, Smart Health & Life insurance Agency can help.


If you are looking for a place to start, shop on our easy to use Affordable Care Act quote link, here.


You’ll encounter some confusing terms while shopping for a healthcare plan, like HMO, PPO, EPO, and POS plans. Your choice will depend heavily on out-of-pocket costs and a summary of benefits.


Beware of shopping for health insurance online using unknown quote links! It’s fine to do research this way, but always discuss your options with a licensed insurance broker to ensure your needs are met.