If you need an Individual Health Insurance plan HJ Spier and our partners at Agent Link can navigate the individual marketplace for you. HJ Spier is partnered with Agent Link to offer our clients the best customer service and knowledge. We will help you find the plan that best meets your needs individually as well as financially. We work with a variety of different carriers to offer you a variety of different plans.
Affordable Care Act Plans- These are plans resulting from the Health Care Reform legislation signed into law in 2010. They are offered on or off the Federal Marketplace. We will assist in helping you determine your eligibility for Advanced Premium Tax Credits (subsidy).
High-Deductible Health Plans and Health Savings Accounts (HSA's)- High-Deductible Health Plans are a preferred Provider Organization (PPO) health insurance product that, when coupled with an HSA account, allows consumers to use checks and debit cards to pay for qualified medical expenses using pre-tax dollars.
Short Term Plans-If you are temporarily without health coverage, a short-term plan is an affordable plan designed to protect you from unexpected health issues for a short period of time (one to six months). This is usually easy to obtain and relatively inexpensive coverage, but it does have a definite date in which coverage will end. There is no renewal of short-term insurance. Also short-term plans DO NOT qualify as ACA approved plans.
You can contact our Individual Health Insurance Representative with Agent Link at : (317)569-8490 ext. 1103