If you are looking for Family Health Insurance, Individual Insurance or have pre-existing conditions, you’ve come to the right place. Starting in about 3 months, we can enroll you into a plan for a January start date EVEN if you have pre-existing conditions. They will not be able to exclude you…AND your rate will be the same as anyone that is completely healthy. How are they going to do that, you ask?? Well, everyone’s taxes will be increased through several avenues. Employers will be mandated to pay more taxes earmarked for ObamaCare, and insurance companies will be made to pay fees as well. Family Health Insurance and Individual Health Insurance right now, is fairly inexpensive…come 2014, who knows, the rates may as much as double. Not sure yet.
If you have pre-existing conditions and you live in San Jose, Santa Clara, Sunnyvale or any Bay Area town, we can help you enroll into a plan that fits your budget. The plans will have 4 levels of benefits, much like the plans now, without the fancy names. Brauer Insurance will be able to help you purchase Family Health Insurance and Individual Health Insurance either on the Open Market OR within the Obamacare Health Exchange or Marketplace. The pricing will be the same, the only difference will be the Health Exchange products will offer a subsidy for people that fall into a certain income bracket. But hold on….these subsidies that everyone is crowing about may not be as good as they are making them out. We know that most people in the way low income bracket will probably qualify, BUT for the folks that are making more than about $15 an hour….not so much. Any subsidy that they get will be very small. It reminds me of the EMPLOYER TAX CREDITS that they came up with a few years ago…less than 10% of the businesses even qualify for them. Oh and did I mention…..the Health Exchange subsidies for Families and Individuals is a 15 page form!! There may be some people that benefit from this, but much less than they would have you believe.
Brauer Insurance is not going to blow sunshine at you…we’ll give you the straight scoop, whether it’s what you want to hear or not. We are one of the leading Employee Benefits and Health Insurance agencies in the Bay Area. We are a family owned and operated, Independent, no fee agency that ONLY does Health Insurance type products.
Some agencies offer Health Insurance….we SPECIALIZE in it!!
Steve Brauer-Principal/Broker, Brauer Insurance Services LLC….(408) 421-5555