Portland Benefits Group | Oregon Health Insurance Agency
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.
Call 503-828-1970 To discuss your insurance situation with one of our licensed agents.
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.
Using an agent is free to the consumer. The rates you get from us are exactly the same as you would get calling an insurance company directly.
REPEAL OF AFFORDABLE CARE ACT LIKELY!
Contact our office for solutions.
Located 2 blocks away from the the I-5 Corbet Exit. Call today, most individual and family enrollments can be handled over the phone in 15 Minutes.
All Information Submitted on this website is Private and NOT Sold to Hundreds of Insurance Agents LIKE OTHER SITES.
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 and our neighboring states.
For family and individual health insurance check out our online medical insurance quotes from all Oregon carriers. You can even apply securely through our site. For application assistance call 503-828-1970 to speak with a licensed Oregon agent.
If you own a business and are considering replacing group insurance with subsidized individual medical insurance, check out the quotes but keep in mind there are different tax incentives for you as an employer and you should just call David Taxer for a more complete assessment.
Call 1-888-244-2805 to speak to an agent today. I or one of my team of friendly and very experienced health insurance agents will take your call. -David Taxer
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.
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.
PBG 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 soon to be 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 isnruance.
Obamacare Alternatives – Looking for inexpensive alternatives to the Obamacare insurance? If you aren’t eligible for financial assistnace 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.
Portland Benefits Group Health Insurance Blog:
Blog pieces written by Principal Agent David Taxer and PBG Director of Operations, Martin Lewin
Repeal and Replace of Affordable Care Act (Obamacare) Now Official
By David M Taxer
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 12/8/2014
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 mahe told you it can be as easy as just paying the new highe premium, and it can, but don’t.
Do not renew you health plan until you have spoken with a knowledgable 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 on 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 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 theplan, you have nothing to worry about. However, if you have children on your health plan you must purchase seperate 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.
Exemption From The Obamacare Mandate and Pitfalls of Pediatric Dental
Important Update: There are two important points I want to add that could potentially save people thousands of dollars a year.
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, that 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.
Another important point that Nick missed is that unlike last year, most plans available on the Healthcare.gov exchange this year DO NOT include pediatric dental coverage. However, the law still requires that if you have children on the plans, you MUST have pediatric dental for your coverage to be considered to be Minimum Essential Coverage. If you do not have MEC, you could be subject to tax penalties, and if you used tax subsidies to lower the cost of the coverage that did not meet MEC standards, you may find yourself not only paying tax penalties, but also having to pay back the subsidy you received. And if you purchase off the exchange, your plan has to include pediatric dental, even if you don’t have children.
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, there 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!
Should Small Businesses Get Group Health Insurance?
If you have less than 50 employees, the answer is probably no.
While it is true that small employers can get a tax break for paying all or part of of the cost of employees health insurance, the amount of the tax break is on a sliding scale and only lasts for a couple of years.
You may actually be hurting your employees by offering them health insurance.
Here are some facts to consider:
- Group insurance is about the most expensive insurance there is.
- If you offer it to your employees and don’t pay enough of the premium, they probably won’t take it and you’ll end up wasting a lot of time and effort arranging for coverage that your company won’t generate the minimum participation levels needed for the policy to go into effect.
- If you do pay enough of the cost of your employees coverage to keep them from getting coverage on the exchange, your employee may be stuck without any good options to get coverage for their family, unless you want to pay for that too.
- Many small employers have found that both their employees and their bottom line benefit when they let their employees get health insurance for themselves and their families on the exchange, usually with subsidies. Instead of providing health insurance, the employer provides much lower cost ancillary benefits like life insurance, disability, and vision coverage; all benefits that employees value and add to employee morale and retention and provide them with more benefits. It will end up costing your employees less overall.
ELECTION RESULTS – WILL THE REPUBLICANS ROLL BACK OBAMACARE?
11/5/2014 Martin Lewin, Agent
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 kind of 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 a 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.
OBAMACARE TAX PENALTIES ARE INCREASING FOR 2015
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 government subsidy to help them pay the cost of health insurance.
Here’s a calculator to help you determine if you qualify for a subsidy. Whether you qualify for a subsidy or not, one of our knowledgeable agents will be able to help you find the perfect plan for your needs and budget.
BUYING HEALTH INSURANCE IN OREGON – WHAT YOU SHOULD KNOW FOR 2015
CoverOregon, the state’s attempt at running a state based exchange, never really got off the ground and was cancelled 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!
David Taxer 11-6-2014