Everyone needs health insurance now that the Affordable Care Act has been made law. If you do not have coverage through an employer or you are unhappy with the coverage you have, Gary Ellis Insurance can help you find an individual policy. Your acceptance is guaranteed and you cannot be charged more or turned down for coverage due to a pre-existing health condition.
There are many different health plans to choose from – all from reputable Wisconsin insurance companies. We provide access to coverage that is compliant with federal law, meaning all of your family’s preventive care needs are paid for at no cost to you. We can help you evaluate multiple health plans and explain how prescription drug coverage, deductibles, coinsurance, co-pays, and networks may affect you. We can also explain how high deductible insurance plans could lower the amount of taxes you pay on covered health costs if you open and contribute to a qualified health savings account.
Keep in mind that individual health insurance is only available in Wisconsin during the open enrollment period each year. However, certain people may qualify for special, one-time enrollment periods after certain life events. Examples include:
- Losing employer health coverage
- Aging off a parent’s insurance policy (age 26)
- Getting married
- Having a child
- Getting a divorce
To find out if you qualify for special enrollment or to apply for health insurance during the open enrollment period, contact our office today.