It’s important not to “go it alone.” Let the My Insurance Lady team navigate you through the obstacle course of Health Insurance to pinpoint which plan answers to all of your needs. There are many options, methods and strategies that only a licensed and certified Health Insurance advisor has access to, so let us do the work for you.
ACA (Affordable Care Act) health plans that are subsidized
Commonly known as the “Marketplace” or “Obamacare”, all major carriers will offer plans through the government at a reduced rate if you qualify for an annual subsidy based on demographic information.
Carrier direct health insurance plans
If you do not qualify for a subsidy, or do not wish to have your health insurance through the government, a Carrier direct plan is a great alternative.
Per Michigan law, you can enroll in short-term health insurance for no more than 6 months in a 12-month period. We can only offer short-term plans for those who are in-between permanent plans.
Christian Health Share plans
Health Share plans utilize member premiums to help pay for costs of the group. There are no copays or deductibles, but there are maximums per year that the group would help you pay for.
HSA’s (Health Savings Accounts)
If you have a compliant HSA health insurance plan, you can open up an HSA to reduce your taxable income and put that money towards health expenses throughout the year. You can also rollover the money year to year if it is not used, but the IRS does have limits each year.