insurance subsidies


A father, mother and baby stroll though a field.
Are you self-employed? Perhaps you are a freelancer or independent contractor. Obtaining the right insurance for you is vital. If you, your spouse, or dependents fall ill or get injured, you could unnecessarily pay a substantial amount out-of-pocket for healthcare that could be much more affordable. The Affordable Care Act […]

Insurance Coverage for Self-Employed



The best approach to understanding the chaos and confusion of health insurance is to familiarize yourself with the terminology specific to the industry. In the video below, Jeff Hess, individual, group, and ancillary health expert, defines Advanced Premium Tax Credits (APTC) and cost-sharing reductions. Check it out! Advanced Premium Tax […]

Terms Defined: Advanced Premium Tax Credits (APTC) and Cost Sharing ...



If you’re looking to get health insurance, or even if you’re someone who’s had health insurance for years, there may be terms that you have heard but had no idea what they meant. For instance, have you ever wondered what on/off marketplace or on/off exchange means? Well, Jeff Hess, individual, […]

Terms Defined: On-Marketplace and Off-Marketplace