I get asked all the time, "does your plan meet the ACA standards so I won't have to pay the penalty?" To which I respond, "NO".
,Their initial response is typical. "then why would I buy a policy from you?". We then begin to look at the total out of pocket their on the hook for with an ObamaCare plan versus one of my plans.
Just this week I enrolled an engineer who had the same question. He was about to re-enroll with his carrier and absorb a $400 increase in his monthly premium, paying $1100 now versus $1500 in January. After assembling a quote for him we were able to get him a similar but yet slightly better plan for about $980 a month with only $3000 deductible for the entire family. His original deductible was $6000.
Simple math illustrates that he is saving a total of $7800 a year with the plan I was proposing. His penalty would be about $3000 which left him with a surplus of $4800. It doesn't take a genius to figure out which plan to go with.
Granted, not everyone may get this big a savings when switching over to US Health, but I recommend that you look at the entire financial picture before you make your decision. Look very closely at all the details of your ObamaCare plan; RX deductibles, total family deductibles, lifetime amount of the certificate being issued (ours is 5 million), access to doctors, many today won't treat you if you have Obamacare (going out of network to see a doctor is costly)
It's worth your time to get your proposed health insurance analyzed to see what you're truly getting versus other options... schedule a FREE consultation to see what you may be eligible for.
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