Health Insurance & Indemnity Plans

Open season for an individual Health insurance policy starts November 1, 2018 through December 15 2018. Any policy you get during this period will have an effective date of January 1,2019. There is a special enrollment period,SEP, but you must qualify to get a policy.

Look at the federal poverty guidelines. These are used for the 48 contiguous states and the District of Columbia. The individual mandate is gone. What this means is that there will not be a penalty for not getting a qualified health plan.

Now there are Qualified and Non-Qualified plans and Indemnity plans. You can save money by making the right choice. I can help you.

2019 Federal Poverty Guidelines

Accident Insurance

Accident Insurance

  In the State of Florida research shows that boating is the #1 cause of accidents. Slipping getting on or off a boat, getting a fish hook struck on some part of your body and diving accidents. An accident policy pays you cash. You can use it to pay medical...

Life Insurance

Life Insurance

With Life Insurance there are options. You can choose a Term Life insurance plan which provides you with protection for a set amount of chosen time or A Universal plan that is more permanent. These plans will provide a tax free, lump sum payout to the chosen...

Group Health

Group Health

The old way to get group insurance is that a company was showed a number of plans and the employee chose one plan for themselves and/or their family. Now it has changed. Between cost-savings for employers and competitive health benefits for employees, health...