Are you eligible for a subsidy to help pay for your health insurance premium in 2014? It’s not that difficult to figure out.
You can use the subsidy calculator at https://kff.org/interactive/subsidy-calculator/. Use the income that was reported on your 2012 tax return.
If you are not eligible for a subsidy then there is absolutely NO reason to get health insurance on your state’s exchange. NONE.
The insurance companies are still selling their plans on the open market. Lots of them (depending in which state you live, of course!).
To figure out which is the best path for you, it’s smart to get the help of a licensed, experienced, educated, qualified, compassionate broker. Why not get the benefit of the vast experience of a broker when you get us for free!? Besides, we’ll always be here for you — before, during and after you get your health insurance, whenever you need us.
You can find a broker in your neck of the woods at https://www.nahu.org/consumer/findagent2.cfm.
It’s easy-peasy… we’re here to help!
4 comments
My cousin gets Medical. However, the dental care is poor quality. Are there individual dental insurance plans you recommend, so he can go to a better dentist?
Hello! And thanks so much for finding The Insurance Mom!
As a rule, I don’t ever recommend dental insurance. Personally, I think it’s a huge waste of money.
Most individual PPO dental plans will give you 2 “free” cleanings a year with no waiting period. But there is a 6-month waiting period for basic services, such as fillings. And a 12-month waiting period for major services, such as root canals and crowns.
If you’re paying several hundreds of dollars per year to own the policy just to get the “free” cleanings, then the cleanings aren’t free. They’re costing you several hundreds of dollars per year, right?
If you need that crown done straight away, or suddenly need a root canal, you’re simply out of luck… unless you’re prepared to wait 6 or 12 months.
And, lastly, individual dental policies ultimately contribute very little to the larger expense items. Most policies pay out a maximum yearly benefit of $1000. Some individual PPO dental plans pay up to $1200 or $1500, but not many.
I have three suggestions:’
1. Ask Google to find you a dental discount program — it’s not insurance, but you may find some worthwhile discounts
2. Be a good negotiator with your dentist; work out a better price and payment plan
3. Call the School of Dentistry at a local university; many offer services to the public at reduced rates
And lastly…. remember to floss after every meal!
My cousin gets Medical. However, the dental care is poor quality. Are there individual dental insurance plans you recommend, so he can go to a better dentist?
Hello! And thanks so much for finding The Insurance Mom!
As a rule, I don’t ever recommend dental insurance. Personally, I think it’s a huge waste of money.
Most individual PPO dental plans will give you 2 “free” cleanings a year with no waiting period. But there is a 6-month waiting period for basic services, such as fillings. And a 12-month waiting period for major services, such as root canals and crowns.
If you’re paying several hundreds of dollars per year to own the policy just to get the “free” cleanings, then the cleanings aren’t free. They’re costing you several hundreds of dollars per year, right?
If you need that crown done straight away, or suddenly need a root canal, you’re simply out of luck… unless you’re prepared to wait 6 or 12 months.
And, lastly, individual dental policies ultimately contribute very little to the larger expense items. Most policies pay out a maximum yearly benefit of $1000. Some individual PPO dental plans pay up to $1200 or $1500, but not many.
I have three suggestions:’
1. Ask Google to find you a dental discount program — it’s not insurance, but you may find some worthwhile discounts
2. Be a good negotiator with your dentist; work out a better price and payment plan
3. Call the School of Dentistry at a local university; many offer services to the public at reduced rates
And lastly…. remember to floss after every meal!