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Frequently Asked Questions
As an employer how do I determine if I need to offer coverage to my employees?
Employers that have ATNE “Average Total Number of Employees” of more than 50 on their wage and tax for the measurement period you have chosen must offer affordable and valuable coverage as defined by the Government.
Do I have to comply with the ACA Compliance of Tracking/Recording & Reporting and 1094 / 1095 filings?
Employers that have over 50 lives on their wage and tax must comply with the Tracking/Reporting and Recording and 1094 and 1095 filings.
Can I apply for individual health coverage outside of the “Open Enrollment” period?
YES, you may apply for individual coverage outside of “Open Enrollment” due to a life changing event on or off the Exchange.
What are the statistics of me needing Long Term Care?
One in every 2 individuals will need Long Term Care prior to their demise.
Why should I pay for disability insurance?
Protect your income in case of a disability so that you are able to pay for your mortgage/groceries/utilities/other debt/college. 80% of disability cases are denied by social security. Best to protect your income with an individual policy.
How do I plan for retirement with the time I have left to earn income? Is there a way to guarantee I will NOT outlive my money?
YES! Guaranteed payouts that will secure an income stream regardless of the account value are great options that are available with bonus upon deposit for immediate accumulation and guaranteed growth.
What is the penalty should I decide I do NOT want to purchase health insurance?
For tax year 2018, the penalty is the same as 2017.
For tax year 2017, the penalty is 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, up to a maximum of $2,085. For tax year 2018 and beyond, the penalty amounts have not been announced, but are expected to increase.
How do I request a Quote?
There are several ways.
- Fill out our contact us form and click the button to request a quote
- Send an email to firstname.lastname@example.org
- Call our office @ 847-393-7475
For all requests please include:
- The current enrollment in your existing plan per tier and plan
- A summary of your plan
- Please attach a recent invoice if possible
- Telephone number where you can be reached
How do I add (enroll) or remove (terminate) employees from my plan?
The best way is to send an email to: email@example.com or contact our office @ 847-393-7475.
If you are terminating an employee – please add Terminate to the subject line of your email
If you are enrolling an employee – please add Enroll to the subject line of your email.