What You Need to Know

We understand that insurance can be tricky business. Take a look at our FAQs to see if we can answer some of your questions.

Do I have to have health insurance?

If you choose to not have health insurance, when you file your taxes you could be subject to a penalty.  Contact us today to review your options and learn how to avoid penalties.

Can I purchase health insurance at anytime?

No  You can ONLY purchase health insurance during open enrollment, which this year will be held November 15, 2015-February 15, 2016.  If you need to purchase health insurance during a time other than that then you must have a qualified event such as involuntary loss of coverage, moving to another state, becoming a US Citizen or another similar life event.

Do I have to offer insurance to my employees?

Not all employers have to offer insurance to their employees.  The number of Full-Time Equivalent, (FTE), employees (including part-time and seasonal employees) determines if you must offer health insurance. Employers with over fifty (50) FTE employees must provide insurance to full-time employees in 2016 or pay a penalty.

How long can my children stay on my insurance plan?

Children may remain on a parent’s insurance policy up to age 26, whether or not they are a full-time student and even if they are married!

How much do you charge?

There is no charge to use the services of the expert team at Healthy Solutions Insurance Services. By working with our agency you will have an advocate should anything arise that requires assistance. When enrolling in coverage with the assistance of Healthy Solutions Insurance Services we become your Broker of Record enabling us to speak directly to the carriers on your behalf. Navigating health care is often confusing and time consuming. Put us to work for you today!