Health Insurance

Individual Health Insurance

Health insurance is a critical piece of your financial planning. It is important to have adequate coverage to protect your assets and to reduce stress. Health insurance is more confusing than it used to be.  There are many more regulations and restrictions in the process.

  • Do I qualify for Tax Credit and Cost Sharing reduction?
  • There are no waiting periods.
  • Will I have to pay a penalty?
  • Do I need to apply through Your Health Idaho or Department of Health and Welfare?
  • What options are available outside of the Affordable Care Act?
  • Open enrollment is November 1st to December 15th.
  • What happens if I apply directly through an insurance company?
  • Is there still a penalty for not having insurance?
  • Do I qualify for a Special Enrollment Period?
  • What is short term insurance and what will it cover?
  • What is the advantage of  renewable short term policy?
  • Can I add vision and dental insurance?
Group Health Insurance

If you want to look at your options for insuring your employees, please get ahold of me so we can discuss your options. There are many options to having a group policy.

  • HRA
  • Life Insurance
  • Vision
  • Dental
  • HSA

Small Business Health Care Tax Credit

There are many changes with the Affordable Care Act. You may qualify for the Small Business Health Care Tax Credit that could be worth up to 50% of the costs you pay for your employees’ premiums (35% for non-profit employers).

See if you qualify for savings

Enrolling in a Small Business Health Options Program (SHOP) plan is generally the only way for a small business or non-profit to claim the Small Business Health Care Tax Credit. To qualify for the tax credit, all of the following must apply:

  • You have fewer than 25 full-time equivalent (FTE) employees
  • Your average employee salary is about $50,000 per year or less
  • You pay at least 50% of your full-time employees’ premium costs
  • You offer SHOP coverage to all of your full-time employees. (You don’t have to offer it to dependents or employees working fewer than 30 hours per week to qualify for the tax credit.)

Don’t let this Tax Credit of up to 50% go unused if you qualify.

Savings Estimator

Click here to see how much you qualify for.

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