Health Insurance

The Affordable Care Act (ACA) which was implemented into law in 2014 has created a paradigm shift in the way in which healthcare is purchased and accessed.  With over 28,000 pages of the new law, there is a labyrinth that an individual or company is now required to navigate.  The law has created confusion and misunderstandings.

Healthcare-Labyrinth

This is where we at Presidium Partners Insurance can help.  As experienced insurance professionals, we understand the complex rules and can help you to navigate the complexities of today’s healthcare world.

Healthcare-Compass

 

 

 

 

 

 

 

 

 

The ACA now allows people with pre-existing conditions to enroll with healthcare coverage and no longer has a financial cap.  It requires health insurance companies to provide for 10 Essential Healthcare Benefits (EHB’s) such as doctor visits, hospitalization, imaging, prescriptions, etc.  And depending upon your family situation, you may qualify for tax credit subsidies to help pay for your monthly healthcare premiums.

Healthcare 18

Premiums are based upon 3 predominate factors:

  1. Your Age
  2. The number of people in your household
  3. Your household income

For businesses looking for information and answers to the way the ACA affects them, we understand the implications of the law and can help with strategies that will help your business, whether large or small, lower your healthcare premiums.  Feel free to contact us for a no cost quote and consultation.