With the health insurance mandate gone for 2019, you may be wondering if you should insure yourself or not. It may seem as though you could save money by not electing health coverage, but do you really know your options? If you are young and healthy, the cost of insurance and the high deductible that comes with it could encourage you to play the odds. Maybe you are older and wondering if a basic plan covers the right services? Are there other options for your money? The answer may be yes, but until you meet with a qualified agent, you will not know your options. Maybe a catastrophic plan is best for you. Maybe an HSA along with your insurance plan will make it more affordable? These are ques
One major advantage of working as a full-time, salaried employee is gaining access to a host of workplace benefits. At the same time, sorting through those benefits can be pretty confusing, especially when it comes to things like health insurance. In fact, nearly a quarter of Americans feel unprepared for the upcoming open enrollment season, according to a United Healthcare survey. Whereas things like vacation days generally aren't within your control, if you work for a larger company, there's a good chance you'll have the option to select a particular health plan, as well as dental and vision coverage. Some companies offer additional add-ons such as life insurance, disability insurance, and
Important dates to note: November 1, 2018: Open Enrollment starts — first day you can enroll, re-enroll, or change a 2019 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2019. December 15, 2018: Last day to enroll in or change plans for coverage to start January 1, 2019. Did you know - it costs you nothing to use a qualified insurance agent? Searching the web for your options and hoping you did not make a mistake (which may have $ penalties) or overlook coverage options you need, all takes time and creates worry. A qualified agent, like ours at RCB & Associates, LLC, not only knows how to work with federal subsidies, we know how to guide you
