Health Insurance

There are two pathways to obtaining individual health insurance:

1. Obtain your plan from the insurance companies that offer individual plans. (Some companies offer employer plans but do not offer individual plans) or

2.  Obtain your plan through the online marketplace i.e. Covered California.

 

Covered California (Obamacare) was introduced as a way to help Americans to get access to affordable health coverage.  The big benefit of buying your plans through Covered California is that you may qualify for a tax subsidy based on your Modified Adjusted Gross Income for the current year.  Speak to your accountant to confirm that number. 

 

Below are just a few of the concerns Edsel resolves with clients everyday regarding individual health coverage:

 

• I have a pre-existing condition. Will I be covered?

• I’m starting my own business and I don’t qualify for an employer plan yet

• My employer only offers HMO’s and it doesn’t cover my needs

• I’m not sure what my doctor/OBGYN/specialist/therapists accepts

• I just lost my job and COBRA is super expensive

• My child turned 26 and they are no longer eligible under my insurance

• I don’t qualify for Medi-Cal, but I was automatically enrolled

• I just moved to this country and none of this health insurance makes sense

 

Edsel's mission and goal is to assist you with any of these scenarios and more.  Additionally, as an independent agent, he educates you on your options based on your needs. 

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The most amazing part is you do not pay anything for Edsel's services.  He accepts whatever commission from the insurance carrier you choose.