individual insurance

Why do I need a health insurance broker?

Q3: Why do I need a health insurance broker to help me with my insurance policy?

A: The internet puts a lot of information and several choices at your finger tips. With health insurance, where the stakes are higher and legislative complexities abound, it can be very difficult for consumers to sort out the best option on their own. The new health care laws impact how tax credits work and without the help of an agent, it can be hard to figure out how to use them to your advantage. Crosspointe makes the process of finding the right insurance plan simple and guides you through the entire enrollment process. Purchasing a plan with the aid of an advisor has NO ADDITIONAL COST, so there’s no reason not to consult an expert.

If you’re not ready, if you haven’t read all the fine print, you could miss something important. Having an insurance broker, knowledgeable in all aspects of insurance, makes it easier for you to find the plan that perfectly fits your lifestyle. We help you by building a plan tailored to your life, your needs.

Affordable Care Act and Small Businesses

Q2: How does the Patient Care and Affordable Care Act (ACA) impact small businesses?

A: In 2015, businesses with 50 or more employees will be required to offer health insurance, but less than 50 holds no similar obligations. Many small businesses (less than 50 employees) find that health insurance is their largest expenditure second to payroll. By offering their employees a group insurance plan, they may be preventing them from taking advantage of premium tax credits, only offered to those who do not receive health benefits with their job and meet certain guidelines on household income. Both employers and employees may benefit from individual insurance plans.

For more information about the Affordable Care Act and your small business, contact Crosspointe Insurance Advisors.