Individual & Small Group Health Insurance Plans | McIntosh & Associates, Inc.

Individual & Small Group Health Insurance Plans

On or Off Marketplace ACA Health Care Plans

Health care costs can be high and could increase. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.

There are several different types of individual and small group insurance plans. You can choose a POS, HMO or PPO plan; but you should know the differences in coverage before making any purchase decision.

PPO Plan Options

We provide numerous options for health insurance coverage, including the popular PPO plans. A PPO (Preferred Provider Organization) offers you the freedom to see any in-network doctor without referrals. Individuals often find that a health insurance PPO offers the freedom and flexibility they need with minimal hassle. Because we offer so many  options, it can be easy to find a plan that has the network, coverage, and service you want and expect.

HMO Plan Options

We also provide multiple options for health insurance coverage with the HMO plans. Health Maintenance Organizations offer a large network of providers. The HMO generally provide lower monthly premiums. Your HMO primary care physician monitors your care and provides referrals when medically necessary.

Health Savings Accounts

A high-deductible health insurance plan with a health savings account (HSA) can save you hundreds on health insurance premiums. It also enables you to set aside tax-free money to pay for your medical care. Your contributions remain in your HSA account from year to year until you use them, and any interest or other earnings are also tax-free.

Dental and Vision Plans

Some of us go to the eye doctor and dentist more often than our regular doctors.  Dental and vision plans can help improve tour overall health and help you lower your overall healthcare costs.

Health Share Plans

Health Share provides preventative services and basic medical needs. The goal of Health Share programs is to accomplish wellness while still being cost effective. The plan will include preventative services, primary care & urgent care, chronic care, labs, and prescription drugs. The plan is not traditional insurance but it is still exempt from penalties.

Short Term Medical

If you need insurance for a period shorter than 11 months, short term insurance is a smart choice for the in-between times. Short term medical is to be used for gaps in insurance due to job changes and plans ending.  Members will normally have access to primary care physicians, urgent care, preventative medicine and visits, labs, and emergency room visits.

 

Policies differ widely on coverage and cost. Cost should not be your only consideration when buying health insurance. We will review and compare your personal needs and affordability including helping you determine if you should be in a marketplace plan if may be eligible for a subsidy based on your adjusted gross income.

Because situations change, it is important to review your health insurance regularly with us. Many of our long-time clients are self-employed individuals, small business owners, and families. We offer high quality, insurance policies that we stand behind and believe in.

There is no additional cost to utilize our office for help with navigating the system of the marketplace, review plan options and complete enrollments. We know you’ll be impressed with our knowledge, experience, and ability to tailor a plan that works for you and your budget. We look forward to serving you!

 

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