What are the biggest differences between Obamacare, Employer, and Private plans?

It’s simple. ObamaCare plans are great for people who qualify for subsidies or have major pre-existing conditions - otherwise, these plans are generally expensive.

Employer plans are usually inexpensive or free for employees, but sometimes very expensive to add family members. This is a great option if coverage meets your needs and is within your budget.

Private plans are ideal if you’re self-employed, own a small business, work from home, or if the employer option is too expensive. For this plan, one needs to be relatively healthy to apply for this option.

Which insurance carrier do you work for?

We are an independent agency that can shop the entire public and private market. We work with, not for, major carriers like Blue Cross Blue Shield, Cigna, United Health Choice Plus PPO, etc. We work for YOU, not the insurance carrier.

What are insurance prices based on?

The ObamaCare plans are based on income and age, while private plans are based solely on health. In most cases, the only way to make coverage cheaper is to remove benefits or reverse age. If you find out how to do the ladder, let us know.

What are the benefits of having health insurance as a small business owner or self-employed individual?

The IRS code HRA 105 allows healthcare plans for these individuals to be a full tax write off.