Group One has built long standing partnerships with the most popular health carriers over the years. As a result, we are able to provide the latest, up to date information for all plans and structure each one to best fit what you are looking for.

Whether you need health insurance for yourself, your business or your family, Group One has a variety of options to offer. Our licensed agents provide individuals with detailed information regarding how each plan works, helping you find the best solutions.

“Do you want the most out of your health care plan or would you like to improve what you already have?”

Reach out to us for the confidence and support you look for. Take charge of your healthcare and your benefits that come with your plan when you enroll.

AFFORDABLE CARE ACT 

A law enacted on March 23, 2010 the Affordable Care Act, also known as Obamacare, granted accessible health insurance through a tax credit method, reducing the monthly premium costs for all those who have an eligible immigration status in the United States. People who do not qualify for Medicaid, Medicare or if their employer does not offer health insurance can qualify for ObamaCare.

Our licensed agents are trained to provide information on the medical plans that are available in the Marketplace for you and your family.

KEY FEATURES

Plans available in the marketplace come in four categories that each client must take into account before making any choice: Bronze, Silver, Gold and Platinum. The metal categories are based on how you and the health plan share the total cost of your health care. Remember that the cost of the plans also has a price variation for the number of members that make up the family, the dependents and the income of the family group.

Bronze plan

It is recommended that you get a bronze plan if you do not expect to use medical services on a regular basis and do not take prescription medications on a regular basis. These plans usually have very low monthly premiums, but they have high deductibles and pay less of the costs when you need medical care.

Silver plan

Silver plans can be a good option for most people. If you qualify for additional savings (“cost-sharing reductions”), your deductible will be lower and you will pay less each time you receive care.

Gold plan

If you can pay more each month to have more costs covered when you get medical treatment. If you use insurance regularly due to a health condition, a Gold plan could be a good value.

Platinum

For someone who expects to make many visits to the doctor’s office or need prescriptions regularly. These plans usually have higher monthly premiums, but pay more of your costs when you need health care services covered.

Open Enrollment

A period during the end of each year open to all individuals for a limited time that begins November 1 and ends on December 15. During this time, U.S citizens, permanent residents and people on temporary work permits can begin applying for health coverage and enroll in an affordable healthcare plan.

Open Enrollment is the only opportunity to renew your current policy or apply for the first time in a quality health insurance plan without the need of a special enrollment requirement.

Special Enrollment Period

Special enrollment period, this means that you have the opportunity to enroll in Marketplace health coverage outside the open enrollment period. You may qualify for a Special Enrollment Period if you have had a life changing event such as:

Recently lost health coverage.
Moving to another state.
Married recently.
Having a baby or adopting a child.
Denial of medicaid coverage.

For some special enrollment periods, you may need to submit documents to confirm your eligibility. If you qualify, individuals generally have up to 60 days after the life event to enroll in a plan. If you lose that advantage, you must wait until the next open enrollment period to register or until you have another qualifying life event.

OUR AFFILIATED CARRIERS

Short Term Medical Plans

Short-term medical plans offer temporary coverage that allows you to register for a certain fixed time period throughout the year.

These health plans have become an alternative for anyone who cannot qualify for a traditional health plan during the open enrollment period (Obamacare) or by an independent employee with very high incomes.

Off-Exchange Health Plans

A health insurance policy that you buy directly from an insurance carrier. Some off-exchange plans offer many of the same coverage’s that are available with ACA plans. While the criteria for qualified health plans are the same nationwide, plans on the exchange can vary by state. In many cases, an insurance carrier will offer both an on-exchange and off-exchange plans with the same coverage.

These options should only be considered by people who are in good health and who do not frequently use medical services. When medical services are mostly paid out of pocket, it can result in significantly higher overall cost.

Benefits of Choosing On-Exchange Plans:

When you buy a healthcare plan on the Marketplace, you have a guarantee.

Guarantees include:

1. You are buying a qualified health plan that meets the consumer protection requirements of the ACA.
2. You can also quickly and easily compare the bronze, silver, gold and platinum insurance options in your state.

International Health Insurance

Group One has the backing of an international insurance carrier that offers different international medical plans providing unlimited coverage with an extensive network of doctors and hospitals worldwide.

International health insurance is an ideal option for you and your family if you are inside or outside the United States. If you travel regularly to other countries, this type of coverage can be very important. Coverage that covers your medical needs while traveling can save you money and avoid potential problems.

Individual Insurance for business

New for the year 2020, the law concerning Health Insurance for groups has changed.

From now on, a business owner can offer each employee a tax-free monthly allowance which they can use to buy health Insurance for them and cover each family member. Employees with an insurance carrier of their choice, that can fit their needs the best gives each business owner .

This new plan is tax-free for both the business owner and the employee.

What is available for 2020

Group health insurance.
Self-funded health insurance.
Association health plans.
Group integrated health reimbursement               arrangements (HRA’s).
Qualified small employer health                                   reimbursement arrangements (QSEHRA).
Individual coverage HRA’s (ICHIRA’s).
Tax credits.
100% tax-deductible for businesses with               25 or fewer employees.
Less costly than regular group health                       insurance.
It gives small business complete control                 over their health benefits budget.
No cap on allowances a business can offer            each employee.

Employee classification

Full time, part-time, seasonal, temporary who works for a staffing firm, salaried, hourly, covered under a bargaining agreement, on a waiting period, foreigners who work abroad, working on different locations, a combination of two or more of the above.