Healthcare Options
For Under 65
Healthcare "pays" the doctor and hospital, not you
Your basic options are:
Healthcare gov/ACA/Obama Care
STM (Short Term Medical)
Group Health Insurance/Employer Sponsored Plan
Medicare (See other webpages)
Healthcare gov/ACA/Obama Care/Marketplace
The 2009 Affordable Care Act created insurance for people without group insurance or Medicare.
Covers pre existing, has a Maximum out of Pocket (MooP)
No limit on how much is spent on your care
Depending on your income, you may qualify for help paying for your coverage(aka tax credit or subsidy)
STM (Short Term Medical)
More traditional insurance
More affordable
Excludes certain coverages
Group Health Insurance/Employer Sponsored Plan
For Employers: offering insurance to attract and retain employees
For Employers: tax benefits
For Employees: your employer pays part of your monthly premium
For Employees: can have better coverage than Healthcare gov
Medicare
Turning 65 or older or Disabled? (Click Here for that please)
Which plan is right for you?
Compare ACA vs STM vs Group
COMPANY
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
Most policies are not guaranteed issue aka you have to apply and answer some questions
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 38 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 10042024
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