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Free personalized assistance from local Portland, Oregon health insurance brokers as seen on KATU News. Featuring health and life insurance for individuals, families, and small groups. View online rates or call for assistance choosing a health plan.

Our licensed Oregon insurance agents work with all the health insurance carriers doing business in Oregon. Our agents are FFM certified and can help you buy private insurance or help you submit your insurance application through the federal health exchange at healthcare.gov. View online health insurance quotes and applications or call us today.


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What Sets Us Apart From The Rest Obamacare is confusing and if you choose the wrong plan you could be forfeiting thousands of dollars in government assistance.

We can help you understand all of your options under the new law, and assist you with the application process.

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National Producer Number #16520021

Why You Should Choose Our Company

  • We strive to have the best customer support and customer satisfaction.
  • Our no worries price assures you that are you getting the best price.
  • Choose from the widest variety of insurance companies and options.

Call 503-828-1970 To discuss your insurance situation with one of our licensed agents.

Using an agent to is free to the consumer. The rates you get from us are exactly the same as you would get calling an insurance company directly.

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David Taxer Health Life Insurance Agent Free Instant Online Rates Portland OR David Taxer, CEO Welcome to Portland Benefits Group's Health Insurance Homepage. We are experts on health insurance for individuals, families, and small businesses. We work with all major health insurance companies in Oregon as well as nationwide. Continue Reading
 

Portland Benefits Group Website Guide

Oregon Health Insurance Application Assistance - Visit this page for information and assistance on beginning your application for health insurance in Oregon. We can help you find and apply for private health insurance and/or help you navigate exchange plans through the FFM.

How To Sign Up For Obamacare In Oregon - Wondering how to sign up for “Obamacare” health insurance in Oregon? We can help you. Visit our page on signing up for Obamacare in Oregon and we will assist you.

Oregon Health Insurance Marketplace - Looking for Information on the Oregon Health Insurance Market place, Cover Oregon or Healthcare.gov? We have information on the marketplace for you.

Oregon Health Insurance Agent - Are you looking for a Health Insurance Agent in Oregon? Visit our Oregon Health Insurance Agent page for help from our Oregon Health Insurance Agents

Portland Health Insurance Agent -Portland Benefits Group’s agents will assist you with your health insurance. Call us today at 503-828-1970 and we will assist you. Visit our Portland Health Insurance Page to view quotes and rates and even apply for health insurance.

Obamacare Alternatives - Looking for inexpensive alternatives to the Obamacare insurance? If you aren’t eligible for financial assistance and cannot afford the healthcare premiums of a Qualified health Plan, Obamacare Alternatives page has information on ACA exempt medical coverage such as short term medical insurance and gap coverage like accident insurance and critical care plans. Excellent accident insurance as well as “critical illness” insurance that delivers a check to you upon diagnosis of a major illness can be as inexpensive as 25 cents per day.

Find Frequently Asked Questions Here David Taxer Licensed Agent NPN# 16520021 Will Answer Your Questions. Health and Life Licenses held for OR, WA, CA, AZ, TX, MI, OH, PA, VA, NC, and SC. 503-828-1970

Wondering how to sign up for “Obamacare” health insurance in Oregon? We can help you. Visit our page on signing up for Obamacare in Oregon and we will assist you.

Looking for Information on the Oregon Health Insurance Market place, Cover Oregon or soon to be Healthcare.gov? We have information on the marketplace for you.

Are you looking for a Health Insurance Agent in Oregon? Visit our Oregon Health Insurance Agent page for help from our Oregon Health Insurance Agents

Portland Benefits Group’s agents will assist you with your health insurance. Call us today at 503-828-1970 and we will assist you. Visit our Portland Health Insurance Page to view quotes and rates and even apply for health insurance.

Looking for inexpensive alternatives to the Obamacare insurance? If you aren’t eligible for financial assistance and cannot the healthcare premiums of a Qualified health Plan, Obamacare Alternatives page has information on ACA exempt medical coverage such as short term medical insurance and gap coverage like accident insurance and critical care plans. Excellent accident insurance as well as “critical illness” insurance that delivers to a check to you upon diagnosis of a major illness can be as inexpensive as.

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Portland Benefits Group Health Insurance Blog:

Blog pieces written by Principal Agents David Taxer and Chris Wang

Martin Lewin Health and Life Insurance Agent Portland Oregon Free Online Quotes

Chris Wang, President

11/30/2016

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

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.

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

By MARTIN LEWIN

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.

Time To Renew Your Health Insurance

You may have recently received a letter from your insurance company advising you that you have to re-apply for coverage for the 2015 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.

Don't Forget Dental 12/01/2014

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.

-David Taxer

Collapse Of The Health Insurance Industry

The Affordable Care Act Is Causing The Collapse Of The Health Insurance Industry

1 Million Americans to Lose their Health Insurance as Worst Fears of ACA Come True

by Martin Lewin and David Taxer 5/2/2015

Health Insurance ACA Emergency

This week Assurant Health announced their intent to sell or close their individual health insurance division. Since that divisions losses are massive, analysts don’t expect there to be any buyers. Assurant is one of the oldest Health Insurers in the US, dating back to 1892. This marks the first closure of a large national health insurance carrier, and leaves a void in many states where Assurant Health was the only national carrier competing with smaller regional insurance companies.

Assurant Health is the only national insurance carrier in several states, and the only insurer to cover air ambulance services, a necessity in many rural western states where the treatment of a heart attack may require traveling to a hospital over 300 miles away.

 

So what does this mean and is it the first crack in the potential collapse of the ACA as more and more insurers find it impossible to stay in business under the dictates of Obamacare?

 

The first concern is the 1 million Americans whose health is insured by Assurant. Losing their insurance because the insurer went out of business is one of the Qualified Life Events that opens a special 60 day period after they lose their insurance in which a consumer can contact brokers like us. Those consumers are guaranteed of being able to get new coverage.

 

However, that coverage may only be temporary. Assurant is not the only Insurer announcing large losses. In Oregon, Lifewise Health, a subsidiary of Primera BCBS announced that because of significant losses their policies for 2016 will be changed substantially and premiums will undoubtedly go up steeply as well. They also gave what long time agents have come to know is a clear signal that the company doesn’t want to actually sell new insurance.

 

The law specifically forbids insurers from discouraging consumers from buying their policies. It is important to understand that just because a company has products in the individual insurance market and even sells on the exchange in a state, doesn’t mean they actually want people to purchase those policies. There can be several factors effecting that decision, including the need to need to be in the individual market to support their efforts in the more profitable group market. But the biggest reason that insurers might not want people to buy what they’re selling is that they set their rates too low and are stuck with them.

 

Insurers had no claims data for a market like the ACA on which to set their rates. They had to guess at what the claims would be and they had assurances from the government that if they suffered losses they would be reimbursed. It’s a complicated formula that has proven ineffective. Once an insurers submits their rates to the state insurance commissioner and those rates are approved, they’re stuck with them. If they then find out they set the rates too low and that they will lose money with every policy they sell, they need to try to sell less. The framers of Obamacare foresaw the possibility of this, which is why they inserted the prohibition on discouraging consumers from buying their policies.

 

However, insurers have a pretty effective way arround that. If they can’t discourage the consumer from buying, they can still discourage  agents from selling their policies. They do this by drastically cutting or eliminating commissions.

 

This in itself doesn’t stop an ethical agent from offering their plan when it is the right thing for the consumer, but it is a signal to experienced agents that the insurer in question may be getting ready to exit the market soon. If I sell a policy like that I know I could be putting my client in a bind where later in the year they will have to shop for insurance again or possibly see their premiums skyrocket in price the next year.

 

Lifewise in Oregon is giving those signals, along with a number of other insurers around the country.

 

The worst fears about the ACA destroying the insurance market may in fact be coming true. Only time will tell.

 

For more information please visit www.obamacarealternatives.org

 

Request A FREE Quote 503-828-1970 Free personalized assistance from local Portland, Oregon health insurance brokers as seen on KATU News. Featuring health and life insurance for individuals, families, and small groups. View online rates or call for assistance choosing a health plan. Free Quote
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Portland Benefits Group
4520 SW Water Ave #205, Portland, OR 97239
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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.