INDIVIDUAL AND FAMILY | Adair Insurance Advisors

Individual & Family Quotes

Let Us Guide You Through the Complexities of the Affordable Care Act

Navigating the Affordable Care Act (ACA) and the state exchanges can be complex, but we are here to help. Did you know that over 60% of households that are eligible for a subsidy on their health insurance that would discount their coverage don't even know it? This is one of many reasons to seek advice.

At Adair Insurance Advisors, we have extensive experience with individual and family health insurance and the specifics or various state healthcare exchanges (Pennie, Get Covered New Jersey, and Coverd California). We are appointed with all of the major insurers in these regions that offer plans on and off exchange. We can advise you on individual insurers and their plan pricing, networks, benefit summaries and copays, etc. We will consult you through applying and qualifying for a Marketplace subsidy and copay assistance if eligible. We can also assist you with fulfillment of Marketplace documentation requests for income or identity verification after your application is submitted. Call us and we will guide you through the twists and turns!

Here are some key points of tha ACA:

All pre-existing health issues will be covered with Affordable Care Act Plans.
No health history questions will be asked at time of application.
There are no lifetime or annual limits on your coverage.
Enrollments can been made during designated Open Enrollment and Special Enrollment Periods.
Pricing is based on age, whether or not you smoke, and your plan choice.
Your family's estimated Year 2022 "Modified Adjusted Gross Income" determines whether or not you might receive a monthly discount known as a "tax credit subsidy."
83 percent of households applying for coverage qualify for a tax credit subsidy that discounts their premiums.
Many households applying for coverage also qualify for a Cost Sharing Reduction (CSR) which lowers the cap on their annual out-of-pocket costs including copays and deductibles.

With the answers to a few basic questions we can provide you with plan quotes and start you on the path to coverage. Remember, our services are completely free...call us today!

Individual & Family Quotes

Let Us Guide You Through the Complexities of the Affordable Care Act

All pre-existing​ health issues will be covered with Affordable Care Act Plans.

No health history questions will be asked at time of application.

There are no lifetime or annual limits on your coverage.

Enrollments can been made during designated Open Enrollment and Special Enrollment Periods.

Pricing is based on age, whether or not you smoke, and your plan choice.

Your family's estimated Year 2022 "Modified Adjusted Gross Income" determines whether or not you might receive a monthly discount known as a "tax credit subsidy."

83 percent of households applying for coverage qualify for a tax credit subsidy that discounts their premiums.

Many households applying for coverage also qualify for a Cost Sharing Reduction (CSR) which lowers the cap on their annual out-of-pocket costs including copays and deductibles.

All pre-existing health issues will be covered with Affordable Care Act Plans.