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Plans and Networks
For residents in need of Obamacare in Wisconsin, it can seem quite confusing when you first start to look at the different options available. There are quite a few things to think about when you are looking at the plans, and one of the first you have to consider is the open enrollment period. You are only able to enroll in coverage during this open enrollment. The 2016 period ended in January of 2016, and it will not open again until November, 2016. If you qualify for Medicaid, you can get coverage at any time of the year, and if you are Native American, you can qualify for enrollment all year long as well.
Otherwise, you will need to qualify for special enrollment, and this means you need a qualifying event in your life. Some common examples of qualifying events include having a child or adopting a child, getting married, or moving to the state. If you are eligible, you will have a 60-day period where you can look over the plans and make your choice.
The Plan Tiers
One of the first things you will notice when you start to look at the various options is that the plans are divided into different metallic tiers. They start with bronze plans, which are generally a good option for those who are in relatively good health and who do not have to visit the doctor much throughout the year. They have low monthly premiums, but the out of pocket expenses for copays and deductibles is high. As you move through the other metal tiers, you will notice that the price of the premiums goes up, but the out of pocket expenses go down. The platinum plans, for example, can cover 90% of those out of pocket expenses. Those who have serious health conditions may want to consider these plans.
Another option for Obamacare in Wisconsin applies to those who are in good health and who are under 30 years old. The catastrophic plans have low premiums and high out of pocket expenses.
The Providers in the State
Wisconsin has a large number of providers available when compared with many other states. However, not all providers are active in all of the counties. Make sure you are looking at plans from a provider available in your area.
You can choose from All Savers Insurance Company (United Healthcare), Ambetter (Managed Health Services Insurance Group), Anthem Blue Cross Blue Shield (ComCare Health Services), Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, Gunderson Health Plan, Inc., Health Tradition Health Plan, Medica Health Plans of Wisconsin, MercyCare HMO Inc., Molina, Network Health, Physicians Plus, Security Health Plan of Wisconsin, Inc., Unity Health Insurance, and WPS Health Plan Inc.
The Coverage You Need
Regardless of the plan you choose, you will receive the essential benefits. They include ambulatory care, emergency services, treatment in the hospital, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
Keep in mind that some of the costlier plans may have additional benefits as well when you are choosing your plan.
Are you in need of Obamacare in Wisconsin? If you are looking for a plan, it is important to keep in mind that you need to enroll during the open enrollment period, or you need to qualify for special enrollment, which we’ll discuss later. As you first start to sort your way through the various options, it can be quite confusing to understand. Let’s look at the most important things you need to know about the plans and the networks, as well as when you can get coverage through them.
The open enrollment period is very important to keep in mind. The 2016 open enrollment period ended on January 31, 2016 and there will not be another open enrollment until November of 2016. If you didn’t enroll already, you aren’t going to be able to get coverage unless you qualify for special enrollment. You need to have some type of a qualifying event. It could be getting married, moving to Wisconsin, or having a child, for example. In addition, Native Americans can sign up at any time of the year. Those who qualify for Medicaid can sign up throughout the year as well.
The Plan Tiers and the Providers
You will notice several different plan tiers, all based on precious metals – bronze, silver, gold, and platinum. The plans in the platinum tier have the most expensive monthly premiums, but they will cover 90% of your out of pocket costs. At the opposite end of the spectrum are the bronze plans. They have the lowest monthly premiums, but the highest out of pocket expenses. They are generally a good option for those who are in good health and who will not need to visit the doctor often.
For Obamacare in Wisconsin, you will find a number of providers offering plans around the state. They include All Savers Insurance Company (United Healthcare), Ambetter (Managed Health Services Insurance Group), Anthem Blue Cross Blue Shield, ComCare Health Services, Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, Gunderson Health Plan, Inc., Health Tradition Health Plan, Medica Health Plans of Wisconsin, MercyCare HMO Inc., Molina, Network Health, Physicians Plus, Security Health Plan of Wisconsin, Inc., Unity Health Insurance, and WPS Health Plan Inc.
Paying and Renewing
Once you find a plan that you like and you sign up, you will pay your chosen insurance company the premium each month. It’s just the same is if you had insurance off of the exchange. If you are eligible for subsidies to help pay for your premiums, you will only pay the amount due after the premium. Another option is to simply save those subsidies until the end of the year.
When it comes to renewals, most of the companies will renew your plan automatically. If they make changes to the plan or stop offering it, they will let you know so you can make adjustments as needed. Even though renewal might be automatic, it is still a good idea to take some time during each of the open enrollments to look at the other plan options available. You may be able to find something that suits you better or that is more affordable.
Understanding the basics of the plans and networks for Obamacare in Wisconsin is simple. Just make sure you take the time to check out the different plans before committing.
When people realized that they would need to have insurance coverage due to the Affordable Care Act passing, many panicked. They were already tight on money, and they worried that with the addition of a monthly healthcare premium, they would not be able to make ends meet. The reason that many didn’t have healthcare was not because they didn’t want it, but rather because they were unable to afford it. Now that they didn’t have a choice with Obamacare, Wisconsin residents were very worried. Fortunately, it is possible to get coverage without breaking the bank. There are many different types and levels of plans from which to choose, and there are programs that can help those who are in dire financial straits.
The Tax Subsidies
The tax subsidies are one of the best ways to help make the cost of healthcare more affordable, and many people in Wisconsin will qualify for some level of subsidy. You will be able to use the subsidies in one of two different ways. Some residents may want to hold onto the subsidies so they can apply them at the end of the year to their taxes. This way, they will owe less on their taxes, and if they are due to get a refund, it will be larger.
However, those who are struggling with bills from month to month might want to consider the benefits of using the subsidies immediately. When you do this, you will have them applied directly to your monthly premium. This will make it much more affordable on a monthly basis. Depending on the amount of subsidies you receive, it can make a substantial dent in your payments.
Medicaid and CHIP
There were only 19 states that decide not to expand their Medicaid coverage over the past few years, and unfortunately, Wisconsin was one of them. While this means that not as many people will qualify for coverage through Medicaid, it is still a viable option to many low income individuals, disabled people, and children. If you qualify, you are able to sign up for Medicaid at any point in the year.
Unfortunately, there will still be some residents in need of Obamacare in Wisconsin who will fall into the gap and not qualify.
In addition, the state offers the CHIP program (Children’s Health Insurance Program). This will ensure that children who are part of a low income family are still capable of receiving the quality healthcare they need. Those who have financial issues and who still need to have coverage for their children will want to look into this program. Like Medicaid, you can apply at any time of the year.
While many are still upset that they are now required to have healthcare, it is the law, and if you don’t have coverage, you will have to pay a fine. The current fines are $695 (or 2.5% of their income if greater) for adults without coverage and $347.50 for children without coverage. Hopefully, using Medicaid or subsidies can help you with your financial assistance needs.
Many residents of Wisconsin were concerned when they realized that they would need to have health coverage and that Obamacare was now the law. They didn’t like the idea of being forced to have coverage, and many wondered just how it would affect their taxes. Would it be more difficult to fill out the taxes, and would they have to deal with more forms? While there are more forms, and there are some changes to the way you do your taxes, you will find that the differences should not affect you too greatly. Residents with Obamacare in Wisconsin should find that the taxes are still relatively easy to do.
What Forms Will You Receive?
Before tax time, you will receive a form in the mail that will provide you with the information you need to do your taxes. The form that you receive will depend on a number of things though. If you have Obamacare in Wisconsin through the exchange, you will receive a 1095-A form. This is called the Healthcare Marketplace Statement. If you have coverage through another insurance company that’s not a part of the exchange, they will send you a 1095-B form. Those who have coverage through their employer will receive a 1095-C, known as the Employer Provided Health Insurance Offer and Coverage Form.
Those who will receive the 1095-C or the 1095-B can complete their taxes as soon as they wish. They don’t actually have to wait for the form to arrive. The 1095-A is different though. You need to wait until you receive the form, and then you have to fill out form 8962 for the IRS. You will send the 8962 in with your taxes, and you keep the 1095-A for your records.
While taking care of simple taxes is easy enough for most individuals, those who may have unique tax situations will want to speak with a professional tax preparer. They can help you to handle your taxes and to make sure that you are in compliance with the new laws. Even if you have simple taxes, you might find it easier to turn it all over to a tax preparation specialist.
Not Getting Coverage
It’s not a good idea to ignore the requirement for coverage altogether, although some people do this. If you do not have coverage, then you will need to pay a fine to the IRS. The fines are already hefty – $695 for adults (or 2.5% of their income, whichever is greater) and $347.50 for children who are under 18 and who do not have coverage. Rather than paying this fine, which could go higher each year, it makes sense to start looking for a plan.
Finishing your taxes now that Obamacare is the law should not complicate matters too much for most Wisconsin residents. There is only another form to fill out if you have Obamacare in Wisconsin, and it is easy to complete. Just make sure that you are filing your taxes each year, and that you file them on time. If you don’t, they could take away your ability to get subsidies in the following years.
Common Mistakes on the Application Process
Residents of Wisconsin no longer have a choice when it comes to getting healthcare coverage. With the implementation of the Affordable Care Act several years ago, you are now required to have health insurance, and for many that will mean Obamacare. In Wisconsin, as well as a number of other states around the country, there have been a number of reports of errors being made during the application process. Although the application isn’t too difficult to fill out, there are still quite a few mistakes being made, mostly because it’s something new that people have not had to do before. Let’s look at some of the biggest problems with these applications so you can avoid them.
Fill Out the Entire Application
One of the first mistakes is not filling out the entire application. A number of applications for Obamacare in Wisconsin have been turned in without all of the elements filled out properly. Always make sure you have supplied the necessary information so you don’t have to worry about delays or not getting your application processed on time. It shouldn’t take long at all once you’ve filled everything out correctly, so make sure you do it right the first time.
Another one of the issues that has come up is people supplying the wrong information on the application for Obamacare in Wisconsin. Make sure every bit of information that you enter – the names, birthdays, and Social Security numbers – are in the correct locations. In addition, double-check to ensure you’ve entered them correctly. It is easy to put in a wrong number or letter here and there, so proofread everything you add before submitting. This will save you from making an error and dealing with the frustration of an application that did not go through. In addition, be sure to put your spouse in the appropriate section rather than in the section for dependents.
Did You Add the Correct Income?
It is highly important that you add the correct income to the application. Your income will determine whether you are able to receive any tax subsidies, as well as how much you will be getting. Most people in Wisconsin with Obamacare will be able to receive at least some subsidies. The less you earn, the greater your subsidies will be in most cases. However, you do not want to make the mistake of reporting your income as being low just so you can get subsidies. The IRS will find out and you will no longer get subsidies in the future.
Signing Up on Time
Finally, make sure you turn the application in on time. The deadline for 2016 has already passed. The next open enrollment for Obamacare in Wisconsin will start in November, so you will want to start looking at potential plans and getting the information you need so you can turn in your application and sign up as soon as you can.
Just remember to double-check all of your information before you submit it. This way, you can be sure your application goes through without a hitch.
Enrollment for Small Businesses and the Small Business Tax Credit
When the country learned that the Affordable Care Act was going into effect, it caused a number of businesses to worry, including small businesses in Wisconsin. They were concerned that they would have to start providing coverage for their employees, and they worried that it would not be affordable for them. Many actually felt that it could put them out of business. Fortunately, it’s not quite as bad as the initial rumors made it out to be. If a small business has fewer than 50 employees, they do not have to provide coverage for them. Only businesses that have 50 or more full time employees are required to offer coverage.
What Are the Requirements to Enroll?
As mentioned, you have to have fewer than 50 full time equivalent employees. It is important to note what an FTE is according to the law, though. They are anyone who works for an average of 30 hours a week or 130 hours a month. However, two separate people can account for one FTE. For example, if you have two employees who are each working 15 hours per week, they would be counted as one full time equivalent. Consider this when you are calculating your number of workers.
Good Reasons to Enroll
Just because you do not have to enroll your business with Obamacare in Wisconsin for your employees, it doesn’t mean that you shouldn’t at least consider it. Offering health coverage for your employees has a number of benefits, including some you might not be aware of right now. One of the biggest benefits is that it provides an incentive for your employees. They often like the idea of having coverage through their company so they can think less about choosing their own plan. This can increase loyalty and retention rates at the company.
In addition, by offering health coverage, you can keep your employees healthier and happier. This can make them more productive, and it can reduce the number of sick days they take.
You can also qualify for tax credits when you offer coverage. To qualify, you will need to have fewer than 25 FTEs, an average wage of less than $50,000, and you will need to go through the Small Business Health Options Program to choose the plan. Companies with 50 or more employees can go through the SHOP system to find coverage as well, but they will not be able to receive tax credits.
Choosing a Plan
When you choose a plan, you will find that there are a number available, and they are separated into bronze, silver, gold, and platinum tiers just like the individual plans. Try to find a plan that will be capable of meeting the needs of your employees so they have coverage that will actually help them.
Consider the benefits of offering coverage for your employees and then start looking at the SHOP plans available. Even if you don’t have to provide coverage according to the law, it might still be the right move for your business.
Obamacare Fact Sheet
Residents of Wisconsin are well aware that Obamacare is now the law. The only way to avoid fines is by getting health coverage that satisfies the requirements of the law. Of course, many people are unaware of what this means beyond the fact that they are supposed to have insurance. By getting a better understanding of the system, it will become much easier for you to get a handle on what you need to do and to know how Obamacare will affect you.
The Penalties for Not Having Coverage
If you do not have health insurance, you will not go to jail, regardless of rumors to the contrary. However, without coverage, you will have to pay fines. The current cost of the fines is $693 for an adult that does not have coverage (or 2.5% of their income – whichever is highest), and $347.50 for children who do not have coverage.
Keep in mind that some people are exempt from the requirement for Obamacare in Wisconsin. Native Americans, as well as those who have religious grounds that prevent them from receiving healthcare, do not have to be on a plan and will not face penalties.
The Plan Doesn’t Have to Be Through the Exchange
If you don’t want to have a plan through the exchange, you may have other options available to you. For example, you might qualify for Medicaid, or you may have insurance through your employer. These are suitable alternatives that you can choose instead when considering Obamacare in Wisconsin.
You are only allowed to sign up for Obamacare in Wisconsin during the open enrollment period. The enrollment for 2016 finished on January 31, and it will not open up again until November, 2017. If you don’t have a plan yet, you will have to wait until open enrollment in most cases. Native Americans can enroll at any time of the year. Those who qualify for special enrollment can sign up as well. To qualify for special enrollment, you need to have a qualifying life event. For example, if you were to get married, divorced, or to have a child, you would be eligible to receive a 60-day special enrollment period.
Obamacare has brought about a change to the healthcare system, and most agree that it is for the better once they realize the benefits it offers. Insurance companies can no longer deny you coverage just because you have a preexisting condition. In addition, they can’t increase your costs or cancel your coverage if you develop a condition. With Obamacare in Wisconsin, a large number of people will also qualify for tax subsidies. They can use these at the end of the year to help lower the amount they owe on taxes, or to increase their return. However, many people choose to use them immediately so they can lower their monthly premiums.
Now that you understand more about Obamacare in Wisconsin, you can get a better idea of what you have to do and what it means for you going forward.
What’s New for 2016?
For residents of Wisconsin who are going to be getting a healthcare plan through the exchange during the next open enrollment period, or during special enrollment if they qualify, it is a good idea to know more about the updates to the plans
In 2016, 239,034 people enrolled in plans for Obamacare with the Wisconsin exchange, including those brand new to the program, as well as those who were renewing their coverage. The program has proven to be quite successful in the state, and it has helped a number of people who were unable to get healthcare in the past. The 2016 open enrollment ended on January, 31, 2016. However, those who experience a qualifying event, such as getting married or having a child, will be eligible for special enrollment throughout the year. In addition, Native Americans, as well as those who are eligible for Medicaid and CHIP can sign up all year long.
Anthem No Longer in Some Counties
While Anthem is available in some areas of Wisconsin, they are no longer available across the state. They are not available in Milwaukee County, Racine County, or Kenosha County. Anthem also said they would be reducing the number of plan options available in the remaining counties. Many who were with Anthem opted to look for other plans through different carriers.
This year, there are 16 providers offering coverage for Obamacare in Wisconsin. However, it is important to note that not all of the providers offer plans for all of the counties. When you are choosing a plan, you need to make sure that the carrier is available in your location.
The following carriers are available – All Savers Insurance Company (United Healthcare), Ambetter (Managed Health Services Insurance Group), Anthem Blue Cross Blue Shield, ComCare Health Services, Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, Gunderson Health Plan, Inc., Health Tradition Health Plan, Medica Health Plans of Wisconsin, MercyCare HMO Inc., Molina, Network Health, Physicians Plus, Security Health Plan of Wisconsin, Inc., Unity Health Insurance, and WPS Health Plan Inc.
Many of the companies have had increases in their rates over the course of the last year. The range varies from about 1% to 21%. When you are looking for a healthcare plan, it is important that you check the cost and see what it comes with in addition to the essential benefits discussed next.
While there are a number of carriers and a number of plans from which you can choose, all of the plans are going to include the essential benefits required by Obamacare. These benefits include outpatient care, emergency services, hospital care, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
While much has remained the same for Obamacare in Wisconsin, it is always a good idea to know what’s new and what’s coming up. It will help to ensure you have the right plan for you and your family.
Cons and Pros of WI Obamacare
When Obamacare was just a notion, people had very divided opinions on it. This was even before they knew what it would entail and what it would mean for them. Obamacare in Wisconsin was met with trepidation by some and it was embraced by others. It is important to remember that there are two sides to everything, and before developing your opinion on the matter, you should look at both the cons and the pros of Obamacare. This way, you will have a much better idea of what it really is and how it can affect you. Let’s look at the cons first.
Cons of Obamacare in Wisconsin
One of the reasons that so many people in the state, and across the country for that matter, did not like the idea of Obamacare was because it forced them to have health coverage. Even though having insurance was a good idea, people did not like having the freedom of choice stripped away from them.
Another reason that people don’t like the idea of Obamacare is because of the cost. Many people already had trouble struggling to make their monthly bills, and now they have an insurance premium on top of that. If they don’t pay, they are faced with fines. The fines are currently $695 per adult, or 2.5% of their income, whichever is higher, and $347.50 per child without coverage.
The fact that there is a limited enrollment window is not looked upon kindly either. While it would cost more to keep the exchange open all year long for the masses, it is a massive inconvenience for those who have missed the deadline.
The Pros of Obamacare
Even though there are some cons to Obamacare, Wisconsin residents have also found quite a few things to love about the new system. One of the biggest changes to the healthcare system is that the insurance companies are no longer allowed to refuse coverage for someone who has a health condition. They can’t increase rates and they can’t stop coverage for someone who develops a condition either. This means that many people who were unable to get coverage in the past are now getting the health care they need.
The law makes it so that parents are able to keep their children on their insurance up until they are 26 years old as well. This is good news for those who are just out of college and who are still struggling.
The cost of Obamacare in Wisconsin is not as high as some had worried, and that’s mostly thanks to the addition of tax subsidies. Many will qualify for these subsidies, which will help them to lower the cost of their coverage whether they apply them at the end of the year or they apply them immediately to their premiums.
Most people agree that the pros heavily outweigh the cons when it comes to Obamacare. Wisconsin residents may not always like the requirement of having coverage, but it is making a big and positive difference for many.
Although Obamacare is now the law and the Affordable Care Act passed a number of years ago, many still have quite a few questions about how it will affect them and what they need to do. The following are some of the most frequently asked questions when it comes to Obamacare in Wisconsin.
Do I Need Obamacare?
One of the misconceptions that many people have had is that they need to have an Obamacare plan that they buy through the exchange. While you do need to have health insurance, it doesn’t necessarily have to be through the exchange. For example, you may have coverage through your employer. As long as the other plan that you have meets all of the requirements of Obamacare, you are fine. If you don’t have another plan though, you will want to go through Obamacare in Wisconsin to find a provider that you can use.
What Happens If I Don’t Get Coverage?
If you do not get coverage for Obamacare in Wisconsin, then you will have to pay a fine. The fines are currently quite high, and they will likely be getting higher in the future. As it stands now, the fines are $695 for an adult without coverage (or 2.5% of their income, whichever is higher) and for children without coverage, the cost of the fine is $347.50.
Who Provides Coverage?
Obamacare in Wisconsin is available through a number of different carriers, so you will have a large number of options when it comes to choosing your health plan. The available options in Wisconsin include All Savers Insurance Company (United Healthcare), Ambetter (Managed Health Services Insurance Group), Anthem Blue Cross Blue Shield (ComCare Health Services), Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, Gunderson Health Plan, Inc., Health Tradition Health Plan, Medica Health Plans of Wisconsin, MercyCare HMO Inc., Molina, Network Health, Physicians Plus, Security Health Plan of Wisconsin, Inc., Unity Health Insurance, and WPS Health Plan Inc.
You will find several different tiers of plans available, all of which are named after various precious metals. The plans that are in the bronze tier will have the lowest monthly premiums, but they will have the highest out of pocket costs. As the plans progress through silver, gold, and platinum, the cost of the monthly premium goes up, but the cost of the out of pocket expenses diminishes greatly. With the platinum plans, 90% of your out of pocket expenses are paid for.
What Are the Essential Benefits?
One of the elements that you might have heard about when discussing Obamacare is the essential benefits. These are benefits that all of the plans, regardless of their cost or level, are required to include. The essential benefits include outpatient care, emergency services, treatment in the hospital, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services for the essential benefits.
Now that you have more knowledge about what Obamacare involves, you should be better suited to figure out which plan is right for you.
Unique Aspects of Obamacare in Wisconsin
People who are living in Wisconsin and who are in need of Obamacare health insurance plans will find that there are quite a few similarities with the other states in terms of how everything works. For example, they all work on the open enrollment system, and the enrollment for 2016 is now closed. Unless you qualify for special enrollment with a qualifying life event (getting married, having a child, etc.), you will not be able to sign up for a plan until the enrollment opens again in November.
However, despite the similarities, there are some unique aspects that you will want to know.
Medicaid Not Expanded
With the advent of the Affordable Care Act, states had to decide whether they would be expanding their Medicaid coverage to meet the requirements of residents who made too much for Medicaid and not enough to pay for the Obamacare plans. There were only 19 states that chose not to expand Medicaid, and Wisconsin was among them. This means that they have a gap filled with people who can’t afford to get coverage.
The addition of tax subsidies has helped to reduce this problem somewhat though. Many people in Wisconsin are able to qualify for these subsidies, which can lower the amount they actually have to pay for healthcare. When you sign up through the exchange, you will be notified with the amount of tax subsidies you can receive.
Health Coverage Providers
Wisconsin has a large number of insurance providers offering Obamacare for Wisconsin residents. However, it is important to note that not all of the providers are available in all of the counties in the state. When you start looking for plans, make sure you are focusing on the ones available in your area.
The providers in Wisconsin include All Savers Insurance Company (United Healthcare), Ambetter (Managed Health Services Insurance Group), Anthem Blue Cross Blue Shield, ComCare Health Services, Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, Gunderson Health Plan, Inc., Health Tradition Health Plan, Medica Health Plans of Wisconsin, MercyCare HMO Inc., Molina, Network Health, Physicians Plus, Security Health Plan of Wisconsin, Inc., Unity Health Insurance, and WPS Health Plan Inc.
All of these plans include the essential benefits required by Obamacare including outpatient care, emergency services, treatment in the hospital, maternity and newborn care, addiction treatment and mental health services, prescription drugs, rehabilitative services and devices, pediatric care, preventative services and lab services.
Milwaukee Won the Enrollment Challenge
In 2016, there was a challenge issued by the White House regarding enrollment. They spoke with the leaders in 20 different communities across the country and encouraged them to increase their outreach to help get as many people signed up as possible during the period for open enrollment. Milwaukee, WI won this challenge, as they were able to enroll 38,000 new people into the Obamacare system in Wisconsin.
Whenever you are looking into plans for your options for Obamacare in Wisconsin, it is important to know both the similarities and the differences. This will make it easier for you to find a plan that best suits the needs of you and your family.
Speak with a Live representative, call (855) 303-0841
- Get a Free Health Quote - No Hidden Fees
- Speak to a Real Human
- We will answer any other Health questions
- Learn How to Avoid the Tax Penalty