Alliance Insurance Brokerage

Individual health insurance options have increased and are administered thru the Marketplace. We are able to assist you on the application process with the following companies….

MISSOURI

Aetna, Ambetter, Anthem, Blue Cross Blue Shield Kansas City, Medica, United Health

KANSAS

Aetna, Ambetter, Blue Cross Blue Shield Kansas City, Medico, United Health

You may be able to lower your monthly premiums for health insurance through the Advance Premium Tax Credit. These credits may be applied directly to your monthly premium or can be used at the end of the year when you are filing your taxes. The amount of savings depends on family size and your modified adjusted gross income (MAGI). MAGI is generally the household’s adjusted gross income plus any tax exempt Social Security, interest, and any other sources of income. The MAGI will be calculated for you during the Marketplace application process.

A short term health insurance plan can be a very good alternative to the individual health insurance plans offered thru the Affordable Care Act. In 2019, the penalty of not having creditable coverage is being eliminated. Furthermore, the short term coverage periods are being extended to have continuous coverage for up to 36 months. In most cases, the short term plans have a larger number of providers/facilities that are in-network which gives the consumer more flexibility. The only downside to these plans is that pre-existing health conditions are not covered.

With the rising costs of health insurance, one way to decrease premiums is to raise your deductible. However, that increases your out of pocket cost when you have a claim. Having an plan that will reduce your out of pocket can give you a little more peace of mind. Examples of plans are….

Hospital indemnity insurance-will pay a specified per day amount (200–1000 per day) during a stay at the hospital.

Cancer policy-will pay a lump sum on a first diagnosis cancer ($5,000-$20,000), that you can use for unexpected costs.