insurance premium cost

Are There Fees When Working With An Insurance Agent?

Q1: Are there fees for working with a health insurance agent or broker?

A: No! There are no fees for working with an agent at Crosspointe! Whether you shop online by yourself or talk with one of our experts, your plan premium will be the same; we help you get the right plan. With our approach, you’re working an educator, rather than a sales person. You’re getting an expert focused on finding the right health plan that covers you and your family or your business based on needs and the best part is: it’s FREE.

How are health insurance premiums calculated?

Q4: How are your premiums calculated?

A: In the past, it was necessary for you to answer questions about your health and everything from family history, lifestyle, jobs you’ve had, to the kitchen sink! With the new laws and ACA, premiums are calculated based on: Age, where you live, smoker or not, and household income. If your household income is at or below four times the federal poverty level, ($46,680 for a household of one, $62,920 for a household of two, $95,400 for a household of four, etc.) the cost of your plan will be reduced to make it more affordable. You also won’t have to worry about seeing your rates increase or being denied coverage based on a preexisting health condition. You cannot be turned down or charged more. Only the above four factors apply.