Is your Group Health insurance plan too expensive?... Maybe you've considered getting an ACA Marketplace insurance plan in the past for you and your dependents and thought you just could not afford the premiums. The American Rescue Plan and Inflation Reduction Act have increased the affordability of numerous plans for more individuals and families. In some cases, consumers making above 400% of the Federal Poverty Level (FPL) may qualify for subsidies.

Let's discuss and see how these changes may apply to your situation.

Is your Group Health insurance too expensive for your dependents?... In the past, "The family glitch" prevented many employees from getting affordable health insurance coverage for their dependents. If an employer provided affordable insurance to an employee, they did not have to extend affordable health insurance coverage to the dependents. The high cost of employer dependent coverage made it difficult to get affordable coverage for dependents. If an employee chose to get insurance for their dependents on the ACA Marketplace, the dependents would NOT qualify for any premium subsidies. This situation which impacted many families was commonly known as "The Family Glitch". "The Family Glitch" has been fixed for plan year 2023. Now, employee dependents can get a subsidy if they financially qualify. This is a BIG DEAL!

My company does not offer me any insurance, can you?... Sometimes, your employer does provide health insurance coverage, but because of your work schedule, limited hours per week, or some other restriction, you may not qualify for health coverage benefits. The ACA may be the right solution for you, with low or zero premiums. This would depend on plan coverage and the subsidies you are entitled to receive. Everyone's needs are different. Our experts can help sort out your eligibility, and help find plans based on your needs and financial situation.