We, as health insurance agents, are currently being trained to give advice in order to determine who is best served on their current plan (group or individual), and on or off the marketplace (exchange). In order to do so, we will need to know your Adjusted Gross Income from your 2012 taxes. We realize it's a confidential topic, but it is required information to make the calculation and create pertinent advice. It is very important to work with an ethical agent. I believe some agents will entice people with a high subsidy so it makes the insurance look like it's cheaper, but in all actuality, they may get the subsidy taken back and owe more taxes on 4/15/2015. Then instead of a rebate, they will owe taxes and not know why. The unethical agent shrugs and goes on to the next prospect. Please....please...do not try this at home and apply online for several reasons. Scams online abound and fraudulent telemarketing has already begun. Do not give your social security number, and other confidential information to a stranger. Identity theft is real and painful. Secondly, there are certain scenarios which may affect your situation which are not fully addressed online. As soon as the Affordable Care Act plan benefits summaries and rates are available, we can provide advice. We expect that to be October 1st when the "Marketplace" opens. We can represent you should you choose to participate with the Marketplace or stay independent of it. We can still write existing plans until 12/31/13. Existing plan designs may be available until 12/31/14, depending on the carrier and plan. Current rates are still very low compared to Marketplace rates with a limited subsidy. Encourage your family and friends to seek representation from an experienced agent. Please contact us with any questions and if there's answers, we'll find them!
Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.
Call me today!
About Jeanine Kinzie
I love to work one-on-one with my clients to provide safe investment choices which will contribute to the financial success and security of individuals and families.
Great Lakes Insurance Financial Services Agency, LLC
3205 68th St. SE, Grand Rapids, MI 49316
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