services
Individual Health Insurance
Service Overview
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You pay the same premium whether you use an agent or not. We do not charge extra to help you pick a plan, enroll, and service your policy. With an expert, we can help you understand your plan and how it works, what you pay for, and make sure that you don’t get stuck with a plan that doesn’t take your doctors.
We’re not partial to any company, we’re partial to you. Our goal is to make sure you get the best benefits within your budget and that you understand your plan. We are a full service agency at no cost to you.
Service Areas
✓ Louisiana
✓ Mississippi
✓ Georgia
✓ Texas
✓ Florida
✓ Alabama
✓ Tennessee
INDIVIDUAL
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Meet the experts who are dedicated to providing you with personalized insurance solutions tailored to your unique needs.
Frequently Asked Questions
Have questions? We’re here to help.
1. When is open enrollment?
Open enrollment starts on November 1st each year. The ending date changes year to year; this past year was 11/01/2022 – 1/15/2023.
2. Can I get coverage outside of Open Enrollment?
Yes, if you have a qualifying life event (QLE), or if your income is under 150% of the Federal Poverty Level, or if you are enrolling based on the Family Glitch, you could be eligible for a special enrollment period.
3. Can I change plans in the middle of the year?
Typically, no. There are a few exceptions if you have qualify for a Special Enrollment Period.
4. What are qualifying life events?
a. Loss of health coverage
i. Losing existing health coverage, including job-based, individual, and student plans
ii. Losing eligibility for Medicare, Medicaid, or CHIP
iii. Turning 26 and losing coverage through a parent’s plan
b. Changes in household
i. Getting married or divorced
ii. Having a baby or adopting a child
iii. Death in the family
c. Changes in residence
i. Moving to a different zip code or county
ii. A student moving to or from the place they attend school
d. Other qualifying events
i. Changes in your income that affect the coverage you qualify for
ii. Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
iii. Becoming a U S Citizen
iv. Leaving incarceration (jail or prison)
5. What is a subsidy?
A subsidy is an APTC: Advance Premium Tax Credit. If you qualify for a premium tax credit based on your estimated Adjusted Gross Income, you can use any amount of the credit in advance to lower your premium.
6. When I enroll, does coverage start immediately?
Generally, coverage begins on the 1st of the month. During open enrollment, you must enroll by the 15th of the month to get an effective date of the 1st of the following month. Example: Enroll by December 15th for coverage to begin on January 1st.
If you are eligible for a Special Enrollment Period, you may enroll through the last day of the month, and coverage will still begin on the 1st of the following month. Example: Enroll on June 30th and coverage can begin on July 1st.
7. Am I eligible for Marketplace coverage (coverage through healthcare.gov)?
To be eligible to enroll in Marketplace coverage, you must live in the United States, can’t be incarcerated, and must be a U.S. Citizen or national (or be lawfully present)
8. What is a 1095-A?
This is a tax form that will be mailed to anyone that had Marketplace coverage during the year. The Marketplace has until the end of January to mail this form to you. Don’t file your taxes without it. Your 1095-A contains information about Marketplace plans any member of your household had the previous year, including: premiums paid; premium tax credits used; and a figure called “second lowest cost Silver plan” (SLCSP)
Need help locating yours online because it didn’t come in the mail? Ask your agent, we’re here to help!
Contact Us For An Individual Quote!
We’ll work with you to understand your unique needs and provide personalized insurance solutions that fit your budget. Trust us to be your partner in protecting what matters most. Fill out the form below to speak to an ABS representative today!