Health Insurance

Finding a Suitable and Affordable Plan

 

Health insurance differs from carrier offerings to individuals and family needs. It’s a good idea to take a look at a few different combinations and options to make sure you get the best plan for you and/or your family. At Ogle Insurance, we take all the variables in your life into account when we recommend a plan for you.

We offer Affordable Care Act approved plans both on and off the exchange, supplemental health care, prescription coverage, plans for individuals, families, small businesses, and a variety of options for different budgets. We work to cover your needs with asset protection as our goal. Call us today to learn more about health care options and what we can do for you.

 

There are two primary ways of purchasing Individual Health Insurance. One way is to purchase the plan directly from the insurance company and the other way is buy those same plans though the Affordable Healthcare Act website www.healthcare.gov aka: “Obamacare” or ACA Marketplace website. Below is a brief description of each. 2017 will be a very difficult year with many carriers pulling out of the ACA Marketplace and the Department of Health and Human Services has released approved rate increases of 58%-122.8%.

"On Exchange" Health Insurance

 

When we use the term “On Exchange” we are referring to purchasing your plan through the federal website www.healthcare.gov aka known as “Obamacare” or the ACA Marketplace. For our clients the only reason that people should purchase through this site would be if we determine that the client is eligible for a sizeable subsidy. We don’t want to go through all the headaches and risk of an audit that could be attached to this process for a few dollars per month.

We recommend that unless your subsidized premium is fairly substantial, and you are willing to provide lengthy documentation, that you consider not going “On Exchange” and purchase your plan“Off Exchange”. If that is not an option then we will help navigate the consumer through the process and help them choose the best plan for their needs. The benefits of the subsidized plans can be the reduction of monthly premiums as well as reduced copays, deductibles also known as “Cost Sharing”. Cost sharing only works on Silver level plans and the consumer needs to understand that a Silver level plan can often have benefits as good, or better benefits than a gold or even platinum level plan.

"Off Exchange" Health Insurance

 

The nice thing about buying “off exchange is that the consumer maintains a direct connection and ability to work directly with the insurance company on things like billing and claims. There is no “Obamacare representative” that you have to deal on behalf of the insurance company. The other nice aspect is that there is no burden of proof on the consumer for things like proof of income or wages. The only negative is the fact that those who qualify for a financial subsidy will not be able to receive the government assistance unless they purchase their plan via the “Obamacare” website www.healthcare.gov.

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