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Affordable Health Insurance Options for 2018

The Affordable Care Act’s(ACA) individual mandate was repealed and takes effect 2019!  But what does that mean for 2018?

Health insurance plan options have changed year to year over the last decade.  For many who are not on an employer-sponsored health insurance plan an individual plan is the best option.  But, once the Affordable Care Act was passed the health insurance industry has been in a constant state of flux.  Many Americans have faced dramatic premium increases and decreased plan options with each new calendar year.

Now that the ACA’s individual mandate has been repealed American’s face their final year of having a tax penalty imposed on them for choosing  not to purchase an ACA compliant health plan.  This mandate required all American’s to have an ACA compliant plan or pay a tax penalty which equated to $1,500 or more for many!  So, it’s good news for the American people!

But again . . .
What does that mean for 2018?

Most understand that health insurance is important and has value and benefits.  But, who wants to pay an outrageous monthly premium for next to no benefits on a plan no one will accept.  These issues have become more and more prominent each year with the ACA’s Marketplace health plans and has driven many young, healthy individuals to search for other options.

Here’s an Option to Consider:

Hospital Indemnity Plans 

Which Offer Benefits Such As:
  • Utilizes the Private Health Care Systems PPO network
  • Choice of Amount of Coverage per covered person per calendar year
  • Choice of Deductible Amount
  • Separate Hospital and Outpatient Deductibles, Outpatient Deductible only $50/yr.
  • In many cases will qualify you for a “contracted” rate with health care providers

If you’d like to know more about these great health insurance plan options please contact us and we’ll be happy to help you!

 

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