Health Insurance

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At H&N Insurance, we know that health insurance isn't just about taking care of your body, it's about taking care of your finances too. The truth is, unexpected medical bills can quickly drain your bank account and put you in a financial bind. That's where health insurance comes in. Not only does it help you pay for care, it also acts as a safety net for your financial well-being in the event of an unexpected medical emergency.

Let's face it, medical costs are unpredictable and can cause major stress. The last thing you want is to be worrying about finances on top of an already stressful situation. With the right health insurance coverage, you can rest easy knowing that you're protected from most of these costs and have peace of mind in the face of the unexpected.

Without proper coverage, an illness can eliminate your options. You could find yourself at the mercy of the healthcare system, unable to afford the care you need. But with the right health insurance plan from H&N Insurance, you'll have options and the ability to get the care you need, when you need it. Don't leave your health and finances to chance - trust the Affordable Care Act experts at H&N Insurance to help you find the coverage you need to protect your health and your wallet.

Affordable Care Act Experts

Health insurance may be the most important type of insurance you can carry. That’s because it affects more areas than just your health, it can also affect your financial bottom line.

Unexpected medical bills can devastate your finances. Health insurance doesn’t just help you pay for care, it can also financially protect you and your family in the event of unexpected medical event.

Unpredictable costs can rob your peace of mind. You don’t want to be in the position of adding “money stress” to an already stressful medical situation. Since care costs are so unpredictable, proper coverage can give you definite peace of mind in knowing you are protected from most of these costs.

Uncovered illness can eliminate your options. Proper coverage means you have options. When you don’t have insurance, you’re at the mercy of the healthcare system, which often means no care at all.

Individual Health Insurance Plans

Health insurance is more than just a way to pay for medical bills. It can also protect your financial future and give you peace of mind in the event of unexpected medical events. That's why the Affordable Care Act was signed into law in 2010, to provide comprehensive health insurance reforms and give more consumers access to healthcare.

During the annual open enrollment period, which runs from November through January, you have the opportunity to shop for and apply for a new health insurance plan if your current one no longer suits your needs. If you miss this period, you can only buy or change a plan if you have a qualifying life event, such as losing your current coverage or having a baby.

Under the Affordable Care Act, tax credits are available to those with household incomes below established thresholds, and penalties are imposed on those who choose not to participate in a healthcare plan.

While most people used to get their health insurance through their employer or the government, more and more individuals and families are now purchasing private health insurance plans that are tailored to their specific needs. If you're in this position and aren't sure where to start, consider getting an individual health insurance plan from H&N Insurance, Affordable Care Act Experts. We can help guide you through the process and find a plan that works for you.

Why Choose H&N Insurance?

At H&N Insurance, we understand that choosing the right health insurance plan can seem overwhelming. That's why we're here to help. As an independent agency, we offer timely health insurance quotes and online applications from multiple health insurance companies. You can easily compare options and apply online from the comfort and convenience of your own home or office.

Our experienced agents will work with you to simplify the process and help you choose from a range of quality, competitive health care plans. We understand that everyone's health care needs are different, which is why we offer a variety of options to choose from, including:

  • HMO plans: An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMO costs less than comparable insurance packages
  • Major Medical: Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses with generally higher individual benefits and policy maximum limits
  • Surgical policies: Most health insurance plans sold today are major medical plans, but there are a few hospital and surgical health insurance plans on the market. Surgical health plans often aren't as comprehensive as major medical plans, but are typically less expensive
  • Dread Disease Policies: Often called “cancer policies,” dread disease policies cover one or more dread diseases: cancer, heart disease, or other major maladies
  • Hospital indemnity: A hospital indemnity plan provides a daily benefit each day you are hospitalized. This daily amount is paid to you, and the benefit is triggered simply by confinement as an inpatient

Contact us today, and we'll help you protect what matters most.