Self Employed & Family Plans - Oklahoma

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The High Cost of the Individual market

The individuals and families across Oklahoma who must purchase insurance through the individual market have been some of the hardest hit by the rising costs of Health Insurance in the last few years. In Fact, some Oklahoma insurance premiums have increased by almost 400% since 2013. Individuals and families who make too much money to qualify for subsidies through the Federal Marketplace have felt the full effect of the premium increases. Many families we have consulted here at Oklahoma Health Options have seen their premiums increase to $2,000 per month and MORE! Rates like these are simply put…UNAFFORDABLE and many families have opted to go uninsured, thus putting themselves and their families at risk for costly medical events.

There is a solution

We are pleased to be one of the few brokerages in the state to offer a viable solution! In early 2016 a group of insurance companies put their heads together to provide a solution for individuals and families who had incomes too high to qualify for subsidies. The solution came by stacking different plans together from different companies in order to create a very comprehensive approach to insurance. Essentially, where one company's benefits stop another one picks up from there. Some of the best in class providers included in these stacked plans include Philadelphia American Life, Manhattan Life and National General. Combine that with the recent change in the Health Care Laws allowing for 12 month short term medical plans and you have the best alternative to the Affordable Care Act available.

 

 

           

 

 

It’s your plan, you choose!

The great thing about stacking different options and different companies together is that it allows the consumer to customize their own plans. First you choose 24 months of short term major medical coverage from Pivot Health, which utilizes the Cigna PPO network. Next, you choose a supplemental insurance package to fill in the gaps and you end up with a much more affordable and VERY COMPREHENSIVE PLAN to protect yourself and your family, all for about half the cost of an equivalent Affordable Care Act plan. Please see the example below for a comparison between an un-subsidized ACA plan and our alternative plans.

 

This quote is for example purposes only, rates will vary based on household size, benefits chosen and rate changes issued by the companies. These plans do not include coverage for pre-existing conditions that have occurred within 12 months prior to a Covered Person’s Effective Date.

 

  

 

Call 405-546-2000 today or to schedule your FREE consultation

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Are you eligible for Subsidies or do you have a member of the family with Pre-existing conditions?

The affordable Care Act isn't going away any time soon and if your household adjusted gross income falls within the subsidy range, or someone has pre-existing conditions be sure to take advantage of it! Below is a list of household sizes and income range eligible for subsidies through the Affordable Care Act.

 

To learn about our Affordable Care Act Options click here.