Poland Health Insurance Request a Quote Affordable Care Act Experts Health insurance can affect a lot more than just your health - it also affects your financial stability. Unpredictable care costs can be bad for you and those close to you, taking away the peace of mind that comes from knowing you're covered. When coverage is missing, illness usually means no options at all when it comes to healthcare--a situation where money stress often occurs as well.Health care isn't just about picking up the bill or helping pay for treatment--it's an important step towards protecting yourself and those near and dear to you financially in case something unexpected should happen like an injury or sickness requiring expensive medical attention. Predictable care costs may rob one of peace of mind; not having coverage leaves them with few options besides bearing the brunt themselves if they do fall ill without any kind of help (medical or otherwise). Individual Health Insurance Plans The Affordable Care Act, signed by President Obama in 2010, was designed to bring about comprehensive health insurance reforms and hold insurance carriers accountable for costs. Every year there is a time period called "open enrollment," which runs from November through January. During this time consumers can shop and apply for new plans if they find their current plan unsuitable. Once open enrollment ends, you cannot buy or change a plan unless you have the qualifying life event (such as losing your current coverage). Consumers are also offered tax credits if their household income falls below established thresholds when purchasing an individual or family health care plan. The law also requires penalties based on income or number of dependents who choose not to participate in a healthcare plan so that everyone has access to affordable care without fear of punishment.If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan is the best financial decision. Why choose Valley Insurance Group? We are an independent agency that offers real time health insurance quotes and online applications from multiple providers. We believe in total transparency. Compare options, apply online, all the while enjoying the convenience of your own home or office!We can help you simplify what seems complex, and help you choose from quality, competitive health care plans, including:HMO plans: An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMO costs less than comparable insurance packages.Major Medical: Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses—including those incurred both in and out of the hospital—with generally higher individual benefits and policy maximum limits.Surgical policies: Most health insurance plans sold today are major medical plans but there are a few hospital and surgical health insurance plans on the market. Surgical health plans often aren't as comprehensive as major medical plans, but are typically less expensive.Dread Disease Policies: Often called “cancer policies,” dread disease policies cover one or more dread disease: cancer, heart disease, or other major malady.Hospital indemnity: A hospital indemnity plan provides a daily benefit for each day you are hospitalized -- and this is paid without regard to the hospital expenses incurred. This daily amount is paid to you and the benefit is triggered simply by confinement as an inpatient. Why We're Different You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build. Request a Quote Name Email Address Phone Question Thank you! Oops!