Individual and Family Insurance

Individual and Family Insurance

The focus of our agents is to work with you as a partner in the community of insurance carriers and Cover Oregon or the Health Plan Finder, which is the Oregon and Washington Health Care Exchanges. Together we will navigate the complex system of eligibility, tax credits, subsidies, and premium relief for each individual client. Our goals will be your qualification for free insurance or significantly lower premiums.

We will help you to determine which deductibles and co-payments will work for your family.  By sharing our expertise and knowledge of values within the system, you will get the best policy for your situation. All these benefits will be yours at no cost as we are compensated directly by carriers without affecting the final price of the plans. We will find the best fit for your needs be it online, in person, or via phone. By allowing our agency to work with you we will find the right plan for your specific needs, get you enrolled, and maximize your savings through insurance premium relief tax credits.

Average Premiums for a 32-year-old: Bronze plan $307, Silver plan $393 & Gold plan $438 (Additional savings with qualified tax credit)

Spending this time together allows us to meet your needs while respecting your budget. We are able to move forward then and select a plan that works for you. We can do this face to face, in our office or your home, or we can easily meet via phone depending on your schedule and needs. Our presentation of how to best use the system and explanation of plans that fit you is easy to understand with the added bonus of completing your online enrollment and processing with the carrier and exchange programs.

What to look forward to

  1. A friendly fact-finding phone call and or email.
  2. In-depth “diagnosis” of what will help you the most.
  3. A personal meeting, generally less than an hour,  to lay out our path ahead.
  4. Easy to understand enrollment.

What will you need at our meeting?

  1. Your annual GROSS household income information.
  2. Social Security number for each enrollee (easily located on your taxes).
  3. Voided check if you want direct payment set up or credit card information.

That’s it. Be ready to smile and meet your new partner in understanding the Affordable Care Act (Obamacare). We will take the time to assure you’re primary care physician is covered, all penalties avoided as well as the high-cost access and fees that are often found in the system.