Individual & Family Services 

Individual and Family plans are ideal for those who are:

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• Not offered insurance through your employer

• In-between jobs

• Aging off of a parent’s plan at age 26

• Retired before Medicare eligibility

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In this market – we have two options:

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On Marketplace

• You may have heard the terms like, “Marketplace, ACA plans, Obamacare” all the same thing. These plans take into account your current year income and then offer a tax subsidy on your monthly premium. These plans are also eligible for a second form of subsidy known as Cost Share Reductions (CSRs) – this second form of subsidy lowers deductibles, out-of-pocket maximums, and certain copays.

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Off Marketplace

• These are straight/full-priced plans. If your income is above the subsidy threshold, these are the plans we would be looking at for you.