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NOV. 1-JAN 31


  • Premium Tax Credit The premium tax credit, or PTC, is a refundable credit that helps eligible individuals and families with low or moderate income afford health insurance purchased through a Health Insurance Marketplace.
  • Cost Sharing Reduction A discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance, and copayments. You can get this reduction if you get health insurance through the Marketplace, your income is below a certain level, and you choose a health plan from the Silver plan category.
  • Tax Penalty If you can afford health insurance but choose not to buy it, you must pay a fee or have a health coverage exemption. (The fee is sometimes called the “penalty,” “fine,” “individual responsibility payment,” or “individual mandate.”)
  • What is the Tax Penalty for 2016? The annual fee for not having insurance in 2016 is $695 per adult and $347.50 per child (up to $2,085 for a family), or it’s 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater.
  • Is the Process Complicated? It can be. There are approximately 100 different plans with multiple networks of physicians, clinics and hospitals to choose from. Using the services of a certified broker can greatly reduce the time you will spend trying to navigate through all of the options available to you…..and using a broker doesn’t cost you anything or increase the cost of the insurance policy.

Top 5 reasons to use a broker

  • Cost We don’t charge you for our services
  • Ease Let us do the legwork with your help
  • Speed We will help you navigate through all the different plan options
  • Peace Of Mond We will uncover all the options available to you making sure your choices are also based on your need and what you can afford
  • Security of Personal Data Rather than asking you upfront for all your private information online, we would prefer to talk or meet with you in person. A good broker provides you with that extra human touch.