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  • Home
  • Rates and Applications
    • ACA Major Medical Health Insurance Rates and Applications
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    • Supplemental Plan Rates and Applications
  • Information
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Recent Posts

  • Changes in the affordability of Health plans
  • Do you feel like your healthcare options are limited?
  • Grants Pass Health Plan Provider Contract Denied

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May 13 2021

Changes in the affordability of Health plans

Portland Benefits Group Affordable Care Act

President Biden signed a document called the American Rescue Plan Act (ARPA for short) that went into effect on March 11th and will allow consumers to receive additional help paying for their premiums. The act will also cap out the premium for health insurance plans to 8.5% of your modified adjusted gross household income. This is a very jargony way of saying that people that may not have initially qualified for tax credits could now qualify for substantial reductions in their premiums. There are some other pieces of the act, but these are the two big changes we have seen that are directly impacting our clients.

Example of how your income now plays a bigger role in determining your cost:

ACAsavingsTable

Navigating the marketplace and determining the best method to apply these tax credits is a lot easier with the help of a licensed agent.  Call us to have an agent verify you are receiving the best rates and maximizing your tax credit under these new guidelines.  There is no additional cost to you for using an agent, give us a call and let us make it easy.

Call us now: 503-828-1970
or see the rates for yourself below.

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choices-choose-options
October 23 2019

Do you feel like your healthcare options are limited?

Mark Meadows Affordable Care Act, Alternative Options, Informational

This year in Oregon you may notice that plan options have been extremely limited compared to years past.  There is a very large push for individuals to elect the ACA Major Medical plans through the exchange. While these plans are the right fit for many individuals, especially those with pre-existing conditions or the need for coverages not typically covered by alternative products, they are not a one size fits all for everyone.

If you do not qualify for a subsidized medical plan through the Affordable Care Act plans on Healthcare.gov they get very expensive. For example, a young couple both 28 years old with no medical conditions, non-smoking, who both earn $35,000 do not qualify for assistance. Plans start at over $500 per month for the bottom of the barrel bronze level plans. That is over $6,000 for the year not including any medical treatment, which going forward is capped at approximately $16,000 if the treatment is in-network. There oftentimes is no cap if you are out of network (topic for another day). This means that your potential out of pocket costs are roughly $22,000 WITH INSURANCE! That’s 31% of the households combined annual income.

Most young families do not have an additional $22,000 that they can afford to put towards medical costs. As a full-service brokerage, we offer many different plans and try to give consumers a choice in selecting their health plans. They can be summarized into a few of the most popular alternatives to the ACA plans that those who qualify enjoy as another option.

  • Short Term Medical

  • Limited Medical

  • Health sharing

In many states, there are no restrictions or few restrictions that affect the public’s choice in terms of plan options.  What we see in the industry is that other states offer multiple choices when it comes to coverage types and leaving consumers without options can potentially lead to unforeseen negative consequences.  Here is a brief rundown on the top plan types that are offered as alternatives to the marketplace plans.

Short Term Medical

Short term medical coverages were intended on temporary coverage options for individuals that are in-between plans. Either you have lost your employer coverage, you recently moved, or in general if you needed coverage for a set time throughout the year. Once the ACA was exposed for not adhering to its stated plan of lower-cost options or the ability to keep your doctor people started looking for alternatives and as a response, short term plans were available for the entire year but had some restrictions as far as what they would cover. Mainly pre-existing conditions and pregnancy coverage.

Carriers started offering longer-term plans, or auto-renewing plans that ran back to back keeping you insured and even covering pre-existing conditions that you were diagnosed within the duration of the policy periods. In fact, many states right now offer the ability to keep your short term coverage for 3 years! These typically have a stronger national network that you have access to, have considerably lower rates, and overall grant you more choice when it comes to your healthcare. 

 

Oregon residents, however, do not get that luxury since short term products are limited to 90 days only, no option to renew, no option to re-enroll during the calendar year. 


This means if you are in between coverages multiple times in the year (such as job changes) you are out of luck when it comes to temporary coverage beyond your first stint. It also means those dishonest insurance agents that do not disclose this leave the public completely unprotected if they opt for a short term product during open enrollment. Once your 90 days are up, you are uninsured with no ability to sign up for Major Medical. This not only is a terrible situation to be in for healthy individuals but especially those with ongoing medical conditions that they need treatment for.

Limited Medical 

Limited medical products are intended for supplemental additions to your base health plan. They pay a fixed amount for covered services and allow you to negotiate rates with your providers, or go hand in hand with current coverage to offset the cost of doctor’s visits, labs, treatments, etc. While not an ideal plan for most as a stand-alone plan, it is still an option to keep these plans as a standalone medical coverage that is very inexpensive and gives yet another choice.

With the increasing rates of Major Medical plans, and the decreasing of area networks, many individuals opted for these plans and they became quite popular with healthy individuals that hardly use their coverage in the first place. They liked the idea that there was no deductible to meet and benefits were paid immediately. It gives a sense of value with the plans in that you have negotiating power with the providers and for common day to day tasks were actually quite competitive with the Major Medical plans if you factor in the deductible and out of pocket costs that you are stuck with going in the ACA plans.

 

The majority of limited medical plans have been restricted in Oregon which may be due to plans being misrepresented in the past and agents not fully disclosing the plan details.

Health Sharing

If you haven’t heard of health sharing plans, you haven’t been searching for alternatives. These have become increasingly popular with individuals looking for a less expensive alternative to the ACA. One major factor about these plans is that they do meet the requirements set in place by the ACA and will grant you creditable coverage. Meaning no threats of a tax penalty if you do not jump through the government’s hoops of proving you have medical coverage. 

These health sharing plans often have ties with religious affiliations and bypass the laws with a religious exemption loophole. While this may not be everyone’s cup of tea, it at least gives a choice in how you seek coverage. They are not technically “insurance” and as such do not fall under the DOI’s regulations for insurance. However, people still enjoy the coverage as it is far more affordable and often have stronger networks than that of ACA plans. 

 

While nothing has been officially released as far as deregulating plans since they are not insurance, what we have seen is that some providers are being held up and not allowing new members to enroll. (Timing of this is very interesting two weeks before open enrollment)

 

When it comes down to it, alternatives are being stripped away from Oregonians and individuals are being forced into the ACA if they are wanting coverage for 2020.  What are your thoughts?  Do you feel as if your choices are being taken away?  Would you like to see plan options return to Oregon so that you can make an educated purchase based on the needs of your family?

We offer as many alternatives as possible, to double-check and verify eligibility call us or click more information to request rates and options.

More information
grants-pass-highway-cco
October 2 2019

Grants Pass Health Plan Provider Contract Denied

Mark Meadows Informational, Oregon Health Plan CCO, Grants Pass, OHA, Oregon Health Plan, PrimaryHealth

Locals in Grant Pass, Oregon are seeing some major changes in new health care plans offered by the Oregon Health Plan this upcoming year. Residents in Josephine and parts of Jackson County may see a plan change due to PrimaryHealth’s contract being denied by the Oregon Health Authority (OHA).

The Grant’s Pass-based provider has been in business since 1995 however, due to the denial of the state’s contract which has been vital to operations they will be closing their doors after this year. This is a major change since the provider became a state-contracted COO (Coordinated Care Organization) since 2012. Financial reasons, as cited by OHA is the primary reason for ending their contract at the end of the year December 31st.

“For us, this is a big blow and something that we never thought would happen,” says Jennifer Johnstun, a Health Strategy Officer with PrimaryHealth. “We feel like this is not good news statewide either.”

Workers who have been with PrimaryHealth for many years now may need to look at what is in store for their futures. Pam Roderick who has been working at PrimaryHealth for the last 20 years has stated, “We’ve all been together through thick and thin. A lot of things — births, deaths weddings, you name it, we have all been there together,” Roderick said. “It’s not just all of us here together but our clients too. Yeah, it sounds like ‘yeah, your clients’ . . . but we have quite a few clients and they all mean very, very much to us.”

OHA in a statement said that PrimaryHealth’s clients should begin receiving letters in their mail soon encouraging them to choose a plan in Jackson County. New selections proposed are either through AllCare CCO Inc. or Jackson Care Connect. In Douglas County, the choices for clients will have the ability to select Umpqua Health Alliance in place of Jackson Care Connect for their district. While Josephine county clients will all be absorbed by AllCare CCO.

OHA is pushing to enter a new phase dubbed CCO 2.0 which has proven to be controversial in many instances. Former Governor Kitzhaber has voiced his opinion through a letter to Governor Brown and other Democratic leaders criticizing the new 2.0 model for abandoning the community-based model that began in 2012.

“The contours of CCO 2.0, as they emerge from the current procurement and contracting process, appear to reflect a decision to move away from a flexible, community-based, collaborative model toward a commercial insurance model with more focus on regulation,” Kitzhaber wrote. “This shift threatens to undermine the effort to transform health care delivery by embracing many of the attributes of the traditional rate-based insurance system we have been trying to escape.”

An example highlighted by Kitzhaber pointed at Trillium which is a Missouri-based COO that has attempted to merge into the Portland area and was met with stiff resistance from healthcare providers who are already satisfied with the existing local CCO’s.

“If viewed strictly through the lens of a publicly-traded commercial insurance company seeking to increase its ‘market share’ in Oregon, this may make some sense. If viewed through the lens of a community-based collaborative model, one committed to transforming care for our most vulnerable people, it makes less sense,” Kitzhaber said.

So far the only CCO that seems to be affected by these financial constraints and as a result been denied their contract renewal has been PrimaryHealth. PrimaryHealth does plan to keep its doors open until the end of January while their clients have the opportunity to migrate to another CCO.

Are you affected by this termination of your local CCO?  Let us find you new coverage and make the transition easy.

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oregon-coast-blue-sky
September 12 2019

An Expensive Trip To The Beach

Mark Meadows Informational

You load up the family and head to the coast, leaving behind your urban sprawl of Portland, or possibly heading out for a weekend adventure to cool off from your busy school schedule. You lucked out in that the weather is great, the traffic was manageable and you grabbed lunch on your way down to the beach.  You post up on the sand next to a giant log which seems sturdy enough, just the right size to rest up against. Unfortunately, that log was not as stable as you thought and when the other members of your party try to sit down, the log rolls backward right across your ankle.

Your family scrambles to roll the log off of your leg, other beachgoers rush to help. Once they are able to free your leg you realize that your foot and ankle are very clearly broken and you need to go to the hospital. This could have been much worse, but you still need to get treatment.

Your trip to the emergency room feels rushed, you were only in there a short while. The nurses rush you back to a room right away, where you are given some pain killers. The doctor fixes you up the best they can and casts your foot and lower leg. You exchange your insurance information with the nurse and feel relieved that this was not as bad as it could have been. You go home and rest.

However, this story does not have a happy ending.

You receive a bill shortly afterward and feel like that log just rolled through your living room wall. You have never seen so many zeros in your life. Physician fee, admittance fee, room fee, medication and RX charges… there must be some mistake, you have insurance, you signed up for a Marketplace plan. You thought you were covered, and you were, just not where you thought you were.

unexpected_bill

Stories like this happen all of the time, you look at your deductible, you fine-tuned your co-payments and your co-insurance. You checked to see that your doctors were covered, your prescriptions were managed. What more do you need? With the removal of most PPO provider options out there, you forgot (or never knew) that your network coverage only extends to the Portland metro area, and that trip to the beach now became a very expensive trip.

Many of the plans do not have coverage for out of network services, meaning that your deductible, max out of pocket, and charges you would normally pay go out the window. You are now stuck with this large medical bill. How are you going to pay for this? You already had to take a week off of work to recover and bills are tight as is.

This is why you need accident coverage. A secondary policy that covers you, regardless of where you are, or which network you are in. These plans are typically very inexpensive and can cover you and the family in the event of an accident.

Let’s face it, one of the main reasons individuals go to the emergency room or urgent care is due to an injury. Slips and falls, burns, cuts or even logs rolling over you.  The way that an accident policy works is that once you have suffered from an injury, you call up your carrier and file a claim. They have you fill out the required documents and send you a corresponding check for the amount that you were covered for.

EXAMPLE: You have a $10,000 policy, your charges are $7,500 for your injury-related services. They send you a check for the $7,500 to cover your costs. No more digging into your reserve funds or declaring bankruptcy over medical bills.

Don’t let an accident ruin your financial future, protect your family today with a tailored accident plan based around your needs. Speak with a licensed professional today to review your options.

Fill out a quote request form and one of our licensed agents will follow up with you directly.

We do not solicit or sell your information to any outside vendors, nor do we flood your inbox with useless junk.  All information is used in-house to locate the best possible health insurance solution for your needs.

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October 2 2018

Need Insurance? What about a Fixed Indemnity Plan?

Portland Benefits Group Affordable Care Act, Alternative Options

Need Insurance? What about a Fixed Indemnity Plan?

 

Have you been hearing individuals talk about fixed indemnity insurance plans? Don’t pass up on these rewarding plans, We know the name can be a little confusing. We want to take the time to help you explain the plan in detail, with that being said we would like to help you understand how fixed indemnity works and if it will work for you and your family.

 

Fixed indemnity Insurance plans pay a planned, or fixed amount for particular covered health service depending on the level of coverage that you select.  A fixed indemnity plan is a type of supplemental health plan that gives you a secure cash benefit, in the case you experience particular illnesses or injuries covered by your plan.  For some customers, a fixed-indemnity insurance policy is beneficial to add-on to a regular health insurance plan. This helps individuals cover-out-of pocket medical expenses they anticipate to incur during the year.  However in some cases individuals opt for the fixed indemnity plan as stand alone coverage in the event they are healthy individuals without the need for a more traditional major medical plan.

 

Understanding How Fixed Indemnity Works

 

Before choosing a fixed-indemnity health insurance plan, its critical that you understand what such insurance plan involves.

 

All consumers need to be aware that fixed-indemnity plans are not the same as regular insurance and major medical insurance plans.  Generally, a fixed-indemnity does not comply with the ACA (Obamacare) because it doesn’t supply the minimum essential coverage required by the Affordable Care Act.  This means going into 2019, you still might have to pay the Obamacare Tax Penalty. Even if you buy a fixed-indemnity health plan and pair it with another supplemental medical insurance to try and make a insurance package, you can still be subject to pay the penalty.

 

Your fixed-indemnity plan can have very limited coverage and may only cover so many illnesses, injuries, drugs, and/or medical procedures, and sometimes doesn’t cover your hospital costs at all, so when setting up your policy make sure you read and check each plan before proceeding in purchasing the policy. When looking at fixed-indemnity plans you need to be aware that plans are not always guaranteed issue, this means you will still have to go through a medical underwriting process when you are going to purchase such plan.

The best way to know if a plan is going to work for you is to contact a licensed agent and inquire.  If you have questions or concerns about the level of coverage and whether or not this is going to be a good fit for you or your family reach out and we will have an agent contact you as soon as possible.

If you are unable to get a major medical health insurance plan due to a health condition or financial issue, a Fixed-Indemnity plan may potentially be the best fit for your needs. Although, remember that it is  always a good idea to enroll in a major medical insurance policy, and you can do so during Open Enrollment Period(OEP) or if you do qualify for a Special Enrollment Period(SEP) which applies to the following:

  • Marriage or Divorce
  • The birth or adoption of a child
  • The loss of employer-based health insurance coverage
  • Moving to a new city outside your old plan’s coverage area
  • Changes in income that may make you eligible for Obamacare Subsidies

These Special Enrollment Periods take place from November 1st through December 15th. Keep in mind if your state runs its own Marketplace, your enrollment period my be different. Always double check to see if your state has made it so that you have a longer time to enroll.

You can check enrollment status updates at Healthcare.gov.

September 28 2018

What are Short-Term policies?

Portland Benefits Group Short Term Medical

What are Short-Term policies?

Short-Term Plans are used if you want that at ease and peace of mind that insurance provides for a fixed period of time.  Many times there is a gap before employer coverage starts, or maybe you have recently lost coverage and have a short wait period for your new plan to start.  Short- Term plans are also good when you aren’t in a situation in which you can get longer term major medical plans.  This can happen if you have missed the open enrollment period for major medical insurance or missed your special enrollment window.  Are you waiting for your major medical plan to start?

Short-Term Benefits

The coverage you get with Short-Term policies are different from ACA plans.  The benefits are conferred by major medical policies that comply with the ACA, also referred as “Obamacare”.  Short- Term plans normally cover the services and treatments related to the unanticipated illness and injury, such as outpatient visits to the doctor, emergency room visits, hospital stays, surgeries, and related x-rays and labs services that are needed.  Some short-term plans even include coverage plans for prescription drugs and other great benefits.  Some of those additional benefits cost a little extra and of course the extra benefits depend on the plan level you choose and the carrier you end up going with.  Almost all insurance companies have all individuals answer a medical questionnaire when they apply for a short-term plan to determine their eligibility.  Insurance companies can decline you for coverage if you do not meet there requirements or standards unlike ACA plans who cannot decline you for prior medical conditions.  If you end up getting approved for a short-term plan, you can usually expect to get your coverage very fast typically the very next day.

You do need to be aware of that short-term policies can and will only cover you for a period of 30 days through 12 months.  Although carriers are now opening up the ability to extend these coverage periods.  If during the year you want to switch back to Major Medical coverage you can during open enrollment which starts November 1st – December 15th.  This allows most individuals and families plenty of time to sign up with an ACA health insurance plan during the open enrollment period if you are paying attention and submit your application before the deadline.

The short-term plans do not include all routine medical needs.  The two major exclusions are pre-existing conditions and maternity coverage.  Most of the time your drug coverage and services for preventive, and mental health services are eliminated from your policy.  Any pre-existing health conditions you currently have, make sure you disclose to your insurance agent before you move forward with coverage through them.  If you neglect to tell the company that you are going with for insurance they can automatically cancel your policy and your pre-existing condition will not be covered regardless.

Overall short-term policies provide great care for anyone who is looking for something for the time being(short) until they can enroll in open enrollment.  They also provide a great alternative for healthy individuals that only need minimal ongoing care during the year.

September 17 2018

Free Market Forces, Not Political Forces, Will Determine the Fate of Obamacare

Portland Benefits Group Affordable Care Act

Here’s a newsflash the mainline media and political pundits haven’t figured out yet —  IT DOESN’T MATTER WHAT WASHINGTON DOES ABOUT OBAMACARE, market forces will determine the fate of Obamacare, which insurance products get offered in the future, and who can buy them.

America still runs on a free market economy, but rather than allowing the health insurance industry to function efficiently in a free market, the government has put more market controls on it than any other industry in our economy.

So far everyone seems to be focused on Obamacare as a political problem in need of a political solution; they are missing the more important and unstoppable forces at work that have nothing to do with elections and who has the power to make laws

October 15 2017

Time To Renew Your Health Insurance

Portland Benefits Group Affordable Care Act

You may have recently received a letter from your insurance company advising you that you have to re-apply for coverage for the 2018 plan year. They may have told you it can be as easy as just paying the new higher premium, and it can, but don’t.

Do not renew your health plan until you have spoken with a knowledgeable agent and examined your options carefully.

You may even be one of those people who found out the hard way that their insurance wasn’t accepted by their doctor, or that even Obamcare plans have lots of exclusions.

Many people made the mistake of assuming that since insurance companies couldn’t exclude people from coverage, it meant that everything was covered. Unfortunately, that’s not true. There are lots of things that aren’t covered by most health plans. Some insurance companies cover things others don’t.

If you want to make sure you have an insurance policy that covers what you need to be covered and still gives you great value, talk to an expert.

If you think all the kinks have been worked out of the system, you’re wrong.

The big bug in the system this year that will jump up and bite many people in the behind is that most plans sold on the healthcare.gov exchange DON’T include pediatric dental in the coverage, but the law requires you to have it.

Now, if you’re an adult without children on the plan, you have nothing to worry about. However, if you have children on your health plan you must purchase separate pediatric dental coverage, or you may be subject to a tax penalty for not having Qualified coverage. It is also possible that the IRS would require you to repay any subsidy you received to help pay your premiums.

DO NOT risk thousands of dollars in potential tax penalties because you assumed the plan bought through Healthcare.gov complied with the law.

Talk to an agent or broker before you buy. It doesn’t cost you a dime and could save you thousands.

September 17 2016

Repeal and Replace of Affordable Care Act (Obamacare) Now Official

Portland Benefits Group Affordable Care Act

House Majority Leader Kevin McCarthy has stated the House will move immediately to repeal the Affordable Care Act and will replace the law later after allowing the free market to help correct the rising prices and failing insitutions of the American healthcare system. Both hospitals and insurers are optimistic due to the reduced benefits, shrinking networks, and rising rates of health insurance.

For the next year, individuals with major pre-existing conditions should enroll in an ACA plan.  Everyone else should probably just buy a private plan exempt from the Affordable Care Act. These plans have larger networks, lower deductibles, and cost hundreds of dollars less per month than 2017 Obamacare plans.

October 1 2015

Exemption From The Obamacare Mandate and Pitfalls of Pediatric Dental

Portland Benefits Group Affordable Care Act

Something not often reported are people who are exempt from the mandate. For some folks who don’t qualify for subsidies and are stricken with sticker shock, this should be investigated. You are exempt from the law if the cost of the lowest priced Bronze plan is more than 8% of you household Modified Adjusted Gross Income. This is not uncommon for people in their late 50s and early 60’s, or younger tobacco users, earning over 400% of the federal poverty limit.

If that is your situation, you have three main options. You can do without insurance completely, which is never a good idea, especially if you’re over 50 and have significant financial assets at risk should you incur large medical bills not covered by insurance. You can get a catastrophic plan, and pay almost as much as a Bronze plan. Or you can get a 6-month policy, which you can apply for another 6-month policy when that runs out, that is a fraction of the price of an Obamacare plan, and provides benefits similar to what major medical was before Obamacare. There are some caveats even to doing that, but one of our health insurance experts can explain all those options more fully.

It costs nothing to work with a knowledgeable agent or broker and could save you thousands of dollars.  Our agents are paid flat fees for the health insurance they assist clients with applying for. They make the same amount whether you spend $100 a month on health insurance, or $1,000 a month. So they have no incentive to try to sell you a more expensive plan. In fact, their incentive is to try to save you as much money as possible, so you’ll recommend them to you friends, and they can make more sales.

We specialize in showing clients how by buying much lower cost health plans, and supplementing those plans with some specific extra benefits, to eliminate your risks for the things that are most likely to happen to you, you end up with much better overall coverage, at a much lower cost. We help you get more bang for your insurance buck!

November 5 2014

ELECTION RESULTS – WILL THE REPUBLICANS ROLLBACK OBAMACARE?

Portland Benefits Group Affordable Care Act

A lot of people, from politicians to simple folk, have talked about rolling back Obamacare if the Republicans took over the Senate and got a bigger majority in the House of Representatives, which they have just done. So what can we expect? Will we still be required to have health insurance in 2015?

The bottom line is that almost nothing will change for at least two years. Any attempt by the Republicans to make any significant change to Obamacare will be vetoed by the President, and the Republicans don’t have enough of a majority to override a veto.

Beyond that fact, and all the rhetoric from the politicians, the truth is that polls are showing that as more and more previously uninsured Americans are getting good health coverage, many for the first time, this is becoming a more popular law. It’s not easy to do away with the law, especially when people have decided they like the law after all. The longer this law stays on the books, and the more popular it becomes, the less likely it is that any significant changes will be made to it, even if the Republicans were to eventually control the Presidency as well.

So what does that mean to you? It means if you do not have health insurance with Minimum Essential Benefits in 2015, you will face penalties more than three times higher than they were in 2014. If you don’t want to see your tax dollars going to pay for someone else’s health insurance, call today to see if you qualify for a tax subsidy of your own, and keep your tax dollars at home, paying for your own health insurance.

October 15 2014

OBAMACARE TAX PENALTIES ARE INCREASING FOR 2015

Portland Benefits Group Affordable Care Act

The cost of not having health insurance is going up. It is important that consumers understand the tax penalties, so they can make smart decisions about what health insurance to purchase.

The IRS is using the old “carrot and stick” approach. The carrot being subsidies for most people to help them buy health insurance, and the stick is high penalties if they don’t.

In 2014, the penalty was only $95 or 1% of Adjusted Gross Income, per adult, and half that amount per child. For 2015, the tax penalty for not having a Qualified Health Plan, one that meets Minimum Essential Coverage standards, is going to be much higher. The 2015 penalty is $325, or 2% of Adjusted Gross Income, whichever is HIGHER, per adult, and half that for children under 18.

So if you have a family of 5, with an adjusted gross income of $110,000 per year, and your family went without insurance for the entire year, your penalty for the year would be $7,700. That’s $2,200 for each adult and $1,100 per child.

The good news is that for many people, qualified health plans are very affordable. The same family above, that would face a high tax penalty for not having insurance, would actually qualify for a government subsidy to help them pay the cost of health insurance.

September 15 2014

BUYING HEALTH INSURANCE IN OREGON – WHAT YOU SHOULD KNOW FOR 2015

Portland Benefits Group Affordable Care Act

CoverOregon, the state’s attempt at running a state-based exchange, never really got off the ground and was canceled after one year.

Oregonians who want to purchase health insurance and use Federal Subsidies to help pay the cost will need to use the Federal Marketplace to verify their subsidy eligibility, but not necessarily to purchase their coverage.

Most people probably heard of the horrific experiences consumers had last year trying to purchase insurance through the Federal Marketplace. It was a nightmare. Many people just gave up and went without insurance. However, with the penalty for not having insurance more than tripling for 2015, that’s not a good option.

Fortunately, agents and brokers, like the highly trained health insurance experts that make up our agency, are here to help consumers through the process – AT NO COST TO YOU!

One of our agents will walk you through the process, step-by-step to help you find the best plan for your needs and budget, and assist you in applying for your subsidy and completing the application for insurance. We make the process easy and stress-free for you, by doing most of the work for you. We’ll help you get the largest subsidy you qualify for. For some people that means being able to get insurance AT NO COST. That’s right, with our help you might be able to get FREE HEALTH INSURANCE.

Don’t take a chance on fouling up the application and ending up having to pay a high tax penalty because your application didn’t go through, missing out on thousands of dollars in subsidies that you are entitled to, or getting a plan that doesn’t allow you to go to the doctors you want.

CALL FOR A FREE QUOTE TODAY! 503-828-1970

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Address: 8196 SW Hall Blvd Suite 300 Beaverton, OR 97008
Phone: 503-828-1970