Expert Advice Monday-Friday 7am-7pm CST We can help!
Call us 800.800.5735
Quality Individual & Family Health Insurance Plans affordable by design
Individual & Families
Spouse & Dependents
Health Insurance is a vital component to any sound
financial plan and is needed by everyone. Without proper coverage, you
leave yourself open to financial risk and possibly financial ruin. Unexpected
medical expenses are the largest reason people file bankruptcy.
Although most employers offer group coverage, not all employers
offer medical benefits. Those that do usually offer only 1 plan,
which may not meet the needs of you or your family. In addition, more and more
employers are reducing thier contributions towards premium costs, sometimes
requiring employees to pay the entire premium for spouse and dependent coverage.
Why purchase Individual Health Insurance?
Unexpected medical expenses are the single largest reason people file bankruptcy.
Everyone should have health insurance. Without coverage you face financial
risk and possibly financial ruin.
Individual health insurance policies are typically less expensive than participating
in a group plan offered by your employer, especially if you are responsible for
your spouse and dependent premiums.
Individual health insurance plans offer the greatest flexabilty. You purchase the
benefits that you and your family need, nothing else. Employer sponsored group
plans may require you to pay premiums for benefits such as Maternity, that your family
might not need or ever use.
Unlike employer sponsored group health insurance that terminates when you change
jobs, you and your family can keep your individual or family policy for as long
as you choose to pay the premium.
Self-employed individuals are allowed to deduct 100% of the premium for health
insurance. In addition, HSA's offer excellent premium savings and tax benefits,
and may not be offered by an employer sponsored group plan.