We specialize in group benefits, Medicare supplements and individual health insurance plans.

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Individual Insurance plans can cover you and your family's medical expenses. If you are not sure what insurance you need, just give us a call or continue reading to learn more about the types of individual coverage available.

OPEN ENROLLMENT

Open enrollment for individuals under age 65 runs from 11/1-1/31. Applications must be submitted by 12/15 to secure a 1/1/17 effective date. Applications submitted by 1/15 will be effective 2/1/17. Scott Davis or Shon Woodiel can help you determine if you are eligible for a premium subsidy on the Federal marketplace or eligible for coverage under the Arkansas Works program (formally the Private Option).  

FEDERAL SUBSIDY

The attached premium subsidy chart helps identify if you are eligible for a premium subsidy. Subsidies are determined by your total household income and the number of individuals on your Federal tax return. Individuals with incomes in the first two columns are eligible for coverage under Arkansas Works. Individuals with incomes in the other columns are eligible for a subsidy on the Federal marketplace if they or their spouse are not eligible for group health insurance through an employer. 

2017 Premium Subsidy Chart                          Percent of Federal Poverty Level

Family Size          

2015 Poverty Guideline          

138%

150%

200%

250%

300%

400% Above Poverty Level

1

$11,880

$16,394

$17,800

$23,760

$29,700

$35,640

$47,520

2

$16,020

$22,108

$24,030

$32,040

$40,500

$48,060

$64,080

3

$20,160

$27,821

$30,240

$40,320

$50,440

$60,480

$80,640

4

$24,300

$33,534

$36,450

$48,600

$60,750

$72,900

$97,200

5

$28,440

$39,247

$42,660

$56,880

$71,100

$85,320

$113,760

6

$32,580

$44,960

$48,870

$65,160

$81,450

$97,740

$130,320

7

$36,740

$50,701

$55,110

$73,480

$91,850

$110,220

$146,960

8

$40,900

$56,442

$61,350

$81,800

$102,250

$122,700

$163,600

*Open enrollment for individuals enrolled in a grandfathered (non-Metallic) plans is from 10/1-12/15 for 1/1/17. During this time you can make changes to your current plan. 

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Health Insurance

Health Insurance is incredibly important because it protects you from paying the full cost of medical expenses. The cost of a visit to the doctor or emergency room can be overwhelming. On top of that, if you do not have health insurance, you will be required to pay a penalty for not being insured.


Additional Insurance to Consider

Beyond basic Health Insurance plans, there are additional insurances to choose from depending on your needs.