Health Insurance & Dental Options

Affordable Care Act


Since the introduction of the Affordable Care Act often known as Obamacare there has been a lot of confusion. I can help you siphon through the confusion. Without a special election period that is triggered by a specific event, you must get or renew your plan during the annual open enrollment that runs 11/1-12/15 annually. Plans run on a calendar year from 1/1-12/31.

The plan premiums are priced by income, number of participants, carrier and where you live. You may qualify for a subsidy based off your income. A subsidy can help with your premium, cost sharing (Silver Plans) or both. It's always best to contact me so we can discuss your situation. health insurance dental insurance

Let me help, call 877-409-2582 or use the contact us form below.

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Short Term Health


Short term health is a great option for the following people: 

  1. You missed the Affordable Care Act Open Enrollment.
  2. Waiting for benefits to start at a new employer.
  3. Between jobs and need temporary coverage.
  4. Age 64 and you pay a lot of money for your insurance.
  5. On COBRA looking for a lower cost insurance option.
  6. You simply refuse to purchase an expensive Obamacare plan.

The Affordable Care Act (ACA) plans still make for the best option. However, if you simply refuse to purchase an ACA plan, this is absolutely better than nothing. With the penalty Obamacare enforces, you would still save money purchasing a short term plan.  If you would like a short term health quote, please use the "Get a Quote" button. The bold and highlighted information is very important to know when making this decision. 

In addition to National General "Get a Quote" link below, I do offer another carrier United Healthone/United Healthcare formerly known as Golden Rule. You can use this link to see their rates. 

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Aliera Healthcare & Altrua Health Sharing


I provide two health sharing options. Both have limitations, but make a great affordable option to Obamacare for the right people. Altrua Health Sharing plans have a much lower cost than ALiera. We can discuss the limitations and make a decision if these plans will work.  Access to the plans and rates is provided below.

Aliera Healthcare is an innovative healthcare organization offering both traditional healthcare and healthcare sharing plans, which are an alternative to traditional insurance. At the core of Aliera plans is a concentration on the patient using our “Core 4” Patient Centered Medical Home Model of Care. 

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Altrua Health Sharing


How it works is simple.

Individuals, couples, families, churches and organizations contribute financially into the members’ escrow account and we act as the neutral escrow agent for the members.Members’ medical needs are shared according to the Membership Guidelines and escrow instructions. Members are asked to submit a monthly contribution.  Members present their Membership ID card when medical services are received and the provider submits the medical need according to the instructions on the back of the card.

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Dental Insurance & Discount Plans

Dental Insurance


Dental insurance plans for individuals and families play an important role in your overall health. Annual cleanings, x-rays and exams help eliminate other health related problems associated with poor oral hygiene. Individual and family plans are great for self employed or individuals not getting coverage through their employer.

When considering a dental insurance plan, the following scenarios could apply. The plan could be a HMO, PPO or a Fee Schedule (discount plan). You may click on any of the links below to get a no obligation quote.

  • Ameritas:  They offer both in & out of network options. Your best savings will come from utilizing in-network providers.  Available in most of the 15 states I am licensed.
  • Delta Dental AZ:  (AZ Only) Great network in Arizona 
  • Dental Care Plus Group:  (IN, KY & OH) Dentist owned, you will likely find the best network in the areas they provide plans.
  • Humana:  Offers 4 plans in most areas I am licensed. 3 of the 4 plans have no waiting periods. In addition, they have a vision plan. 
  • Spirit Dental: PPO plans available in all states except WA. No waiting periods on major services, however limitations may occur the first year.  Guaranteed Acceptance. Child Orthodontia. 3 CLEANINGS & 2 exams per year are covered 100%. $100 lifetime deductible.  Coverage for crowns, bridges, implants, dentures, root canals and more
  • Spirit Vision: Individual vision plan available in all states except  MA, MD, NY, WA, or RI 

See a plan, lets discuss before applying to make sure you understand the benefits & network.  In addition, we provide vision insurance options.  Own a business? Group plans are available. 

Dental Discount Plans


Discount plans are available in all 50 states for individuals, families and groups. Discount plans are not insurance, but give you access to the network discounts from 10%-60%.  Remember, you must use in-network providers. One of the best features, no waiting periods or annual maximums. 

I consider discount plans to be the “Sam’s Club” or “Costco” of dental savings.  If you’re not in a hurry to get a plan, many great sales are offered throughout the year that I can inform you about.  If you need assistance with plan selection, a group plan, finding a dentist or when the next great sale happens, please give me a call.

You can see pricing for individual and family plans by clicking on "Get a Quote".  Many plans offer additional discounts on telemedicine, vision, prescription and chiropractic services. If you call Dental Plans and choose a plan, make sure you provide my Broker Code: 44699. 

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Contact Us

Health & Dental Insurance

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Ruhm Insurance Agency, LLC

Cincinnati, Ohio, United States

(513) 335-2465