On and Off Exchange Individual and Family Health Insurance plans in Maryland

Obtaining Health Insurance is paramount in todays times as the new Affordable Care Act is in place and might or might not stay. There have already been over 30 changes to the new law and we foresee many more because one plan does not fit all of the population. There are many things to consider when shopping for a plan and we will go over those to help you choose a plan to fit your budget and circumstances.

On Exchange Health Insurance Plans are obtained after filling out an application on Maryland Health Connection. During the application process you will be asked many questions and it is best to tell the truth about income and status. The income section is based on Modified Gross Adjusted Income which is the money you actually pay taxes on, not your total income. Once your application is approved, you will be shown many plans from various carriers and we cannot stress enough to work with a broker when dealing with the exchange. It is free and does not cost anything. You will pick a plan based on your budget. It is that simple. If you need a surgery or having a baby, please speak up and tell us as we may guide you into a plan that will reduce your out of pocket liability. Any changes to plans and carriers are done through the exchange and usually reserved for open enrollment, but changes can be made. Speak to us for more information.

If you are specifically looking on exchange make sure your income is within the Federal Poverty Level picture in this page.

Off Exchange Health Insurance Plans are obtained either directly through a carrier of through the help of a broker. Again, this service that brokers give you is absolutely free to you as carriers will pay a small monthly commission via your policy each month. Many broker do not see this as lucrative and are getting out of Health Insurance altogether. Maryland Annuities is an affiliate of Comrade Financial Group and we will help you in what ever you need no matter the commission or price. Insurance is about reducing risk and getting covered, not about broker commissions.

Off Exchange plans are for people that have income that exceeds the income levels below. Please let us know if you are looking for on or off exchange plans.