Individual, Family & Small Group
Marketplace - Obamacare
Underwritten PPO & Small Group
Underwritten PPO & Small Group
Love it or hate it, the Marketplace, aka Obamacare is the only place to get individual and family insurance that covers preexisting conditions. Many myths exist about the Marketplace, but no matter how little or much money you make, how sick you may be, anyone can get a plan during certain times of the year. Please see my quoting tools if you would like a no-obligation quote.
Underwritten PPO & Small Group
Underwritten PPO & Small Group
Underwritten PPO & Small Group
America's Choice Health Insurance plans are designed for healthy individuals and families not receiving a subsidy. The plans provide two National PPO Networks and they're ACA compliant. In order to be eligible, the policy has 11 health questions that must all be answered No. If you're self-employed, or a small business, these plans could be a great fit for your business. Please schedule an appointment to discuss.
If you're a large group employer (6+ employee's), please fill out this form for a quote and I will be in touch.
Short-Term Health
Underwritten PPO & Small Group
Supplemental Insurance
Short term plans are designed to fill a gap between employment. Coverage is available up to 4 months. If you need a long term solution, these are not good plans.
Likely reasons for Short Term:
- You missed the Affordable Care Act Open Enrollment.
- Waiting for benefits to start at a new employer.
- Unemployed and need temporary coverage.
- On COBRA looking for a temporary lower cost replacement.
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Supplemental Insurance
Health Savings Accounts
Supplemental Insurance
Need help with Supplemental insurance? We have quite a few offerings:
- Dental Insurance - Unlimited Plan Available
- Vision Insurance
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemity Insurance
- Cancer Insurance
- Home Health Care Insurance
- Term Life Insurance
- Long Term Care Insurance
- Disability Insurance
Health Savings Accounts
Health Savings Accounts
Health Savings Accounts
The best tool in Health Insurance, HSA Eligible plans.
Triple Threat:
1. Reduces taxable income.
2. Money earned is tax free and you can invest in Stocks, Etf's, and Mutual Funds.
3. Money taken out for qualified health expenses is tax free.
Sign up for a Lively HSA, America's #1 HSA choice.
Quoting Tools
Health Savings Accounts
Health Savings Accounts
I offer two solutions for my current and potential clients to get a quote. Click on either link and scroll to the insurance product that suits your needs.
Whatever your preference, you will only work with Chris Ruhm. I do not sell your information or share these responses unless it's agreed upon and in your best interest.