Author name: admin

Introduction When it comes to choosing the right medical insurance plan, having the guidance of a trusted insurance professional can make all the difference. Whether you’re seeking individual, family, or business coverage, working with experienced medical insurance agents near you ensures you find the perfect plan for your needs. At Emmie Mae Health Advisors, we’re dedicated to helping residents and business owners across Arizona—including Tucson, Phoenix, Mesa, and beyond—navigate their insurance options with confidence. Let’s explore how we can assist you and what sets us apart from other Arizona insurance agencies. Why Work with Medical Insurance Agents Near You? Choosing the right insurance plan can be complex, but local insurance brokers offer these key advantages: 1. Personalized Service Local agents, like those in Tucson and Phoenix, understand the unique healthcare landscape in Arizona. They provide one-on-one consultations to tailor recommendations to your specific needs. 2. Access to a Wide Range of Plans Licensed brokers can compare multiple options, including: Individual and family plans. Business health insurance. Private health insurance plans. 3. Expertise in Arizona-Specific Plans Local brokers are familiar with plans specific to Arizona, such as those offered by major providers in Tucson, Mesa, and Phoenix. 4. Hassle-Free Enrollment They handle the heavy lifting—from comparing plans to submitting applications—saving you time and effort. Top Insurance Brokers in Tucson, Phoenix, and Mesa Insurance Brokers in Tucson, AZ Tucson residents trust experienced brokers to navigate both private and ACA Marketplace plans. Whether you’re seeking individual coverage or business group insurance, local professionals offer tailored solutions. Phoenix Insurance Brokers Phoenix is home to some of Arizona’s most knowledgeable insurance agents, offering access to comprehensive PPO plans, private options, and more. Business owners often rely on these brokers for group health insurance. Insurance Brokers in Mesa, AZ Mesa brokers excel in providing health insurance for families and businesses, with a strong focus on affordable private plans and year-round enrollment options. Statewide Expertise From Tucson to Mesa, Emmie Mae Health Advisors works across Arizona to deliver exceptional service. Whether you’re in need of insurance professionals of Arizona or specific brokers in your city, our team is here to help. Tailored Options for Businesses in Arizona As a business owner, ensuring your team has access to quality health insurance is critical. Business health insurance brokers in Arizona offer: Group health plans tailored to your team’s needs. Cost-effective solutions that balance premiums and coverage. Year-round support for renewals and plan adjustments. How Emmie Mae Health Advisors Stands Out 1. Comprehensive Solutions We offer a wide range of plans for individuals, families, and businesses, including private insurance options with nationwide networks. 2. Local Expertise With years of experience serving Tucson, Phoenix, Mesa, and the entire state, we understand the unique needs of Arizona residents. 3. Personalized Support Our advisors work one-on-one with clients to simplify the enrollment process and ensure the best outcomes. 4. Flexible Enrollment Options Private insurance plans allow for enrollment year-round, providing flexibility when you need it most. FAQs About Medical Insurance Agents in Arizona 1. Why should I work with a Tucson insurance broker instead of going directly to an insurance company? Brokers provide unbiased comparisons across multiple providers to ensure you get the best coverage for your needs. 2. Can a Phoenix insurance broker help with business health insurance? Yes, business health insurance brokers specialize in finding cost-effective group plans for small and large businesses alike. 3. Are private insurance options available in Mesa year-round? Yes, private insurance allows for enrollment anytime, offering flexibility that ACA Marketplace plans don’t. Let Us Help You Find the Right Plan Whether you’re in Tucson, Phoenix, Mesa, or anywhere else in Arizona, the team at Emmie Mae Health Advisors is here to guide you through your insurance options. Let us help you find the perfect coverage for your individual or business needs. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction Being self-employed in Texas offers incredible flexibility and freedom, but it also comes with unique challenges—like securing the right health insurance coverage. Unlike traditional employees, the self-employed don’t have access to employer-sponsored plans, making it essential to find a solution that fits your needs and budget. At Emmie Mae Health Advisors, we specialize in providing health insurance for self-employed in Texas and guiding individuals toward affordable, flexible plans. With expert health insurance advisors in Texas by your side, navigating your options has never been easier. The Challenges of Health Insurance for the Self-Employed Without employer-sponsored plans, self-employed individuals often face: High premiums on individual plans. Limited coverage options in traditional marketplaces. Confusing enrollment processes. But here’s the good news: private health insurance can offer flexible and cost-effective solutions tailored to your unique needs. Why Private Health Insurance is a Great Option Private insurance stands out for self-employed individuals because it provides: 1. Flexibility in Premiums Private plans allow you to customize your coverage to match your budget. Whether you prefer a lower premium with a higher deductible or a more comprehensive plan, there’s an option for every financial situation. 2. Year-Round Enrollment Unlike ACA Marketplace plans, private insurance doesn’t limit you to an open enrollment period. You can apply any time of the year, which is especially helpful for self-employed individuals whose income or coverage needs can change quickly. 3. Comprehensive Coverage Private plans often include: Preventive care Nationwide provider networks (including PPO options) Additional services like dental or vision care How to Choose the Right Health Insurance Plan in Texas 1. Assess Your Needs Consider your specific health requirements, such as: Routine doctor visits or specialist care. Prescription medications. Preferred hospitals and providers. 2. Compare Coverage Options When reviewing plans, pay attention to: Premiums: Monthly costs. Deductibles: What you’ll pay out-of-pocket before coverage kicks in. Networks: Ensure your preferred doctors are included. 3. Work with an Expert Health Insurance Advisor in Texas Navigating health insurance can feel overwhelming, but a trusted advisor can simplify the process and ensure you make the right choice. Why Emmie Mae Health Advisors? At Emmie Mae Health Advisors, we understand the unique needs of self-employed Texans. Our expert advisors provide: Personalized Solutions: We work with you to identify plans that fit your budget and health requirements. Access to Private Options: Explore flexible plans that allow year-round enrollment and nationwide networks. Ongoing Support: From plan selection to enrollment, we’re with you every step of the way. Success Story: Self-Employed Texan Finds the Perfect Plan Meet Sarah, a self-employed graphic designer in Austin. She was struggling to find a health insurance plan that fit her budget and included her preferred doctors. After reaching out to Jacolby and the Emmie Mae team, Sarah discovered: A private plan with a PPO network for her nationwide travel. A flexible premium that fit her budget. Enrollment options that didn’t restrict her to a specific time of year. Now, Sarah feels confident knowing she has affordable, comprehensive coverage tailored to her needs. FAQs About Health Insurance for the Self-Employed in Texas 1. Can self-employed individuals get subsidies for health insurance? Yes, if you qualify based on income, ACA Marketplace plans may offer subsidies. However, private insurance plans typically do not offer subsidies but provide more flexibility. 2. What’s the benefit of working with an expert health insurance advisor in Texas? An advisor simplifies the process, compares plans, and ensures you’re not overpaying for coverage that doesn’t meet your needs. 3. Can I switch to private insurance mid-year? Absolutely! Private health insurance plans allow year-round enrollment, so you can switch anytime if you qualify. Let Us Help You Find the Right Plan Finding the right health insurance as a self-employed Texan doesn’t have to be complicated. Whether you’re seeking ACA Marketplace plans or exploring the flexibility of private insurance, Jacolby and the Emmie Mae Team are here to guide you. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction When it comes to health insurance, Utah residents have access to a variety of options, including private plans that offer flexibility and comprehensive coverage. Whether you’re self-employed, in between jobs, or simply seeking more control over your healthcare choices, private health insurance might be the ideal solution for your needs. At Emmie Mae Health Advisors, we specialize in helping individuals, families, and small businesses navigate private health insurance options in Utah. Let’s explore why private plans are a great choice and how they can meet your unique needs. What is Private Health Insurance? Private health insurance refers to plans purchased directly through insurance companies or licensed advisors rather than through government marketplaces. These plans are not bound by ACA marketplace enrollment periods, meaning you can apply year-round, provided you meet the eligibility requirements. Benefits of Private Health Insurance in Utah 1. Flexibility in Coverage Private plans allow you to tailor your coverage to meet your needs. Choose from options like: Nationwide provider networks. Coverage for specific services like dental, vision, or mental health. Plans with lower premiums or deductibles based on your budget. 2. Freedom to Choose Providers Unlike many marketplace plans, private insurance often includes access to nationwide PPO networks, giving you the freedom to see doctors and specialists across the country without requiring referrals. 3. Year-Round Enrollment You don’t have to wait for open enrollment to apply for private insurance. Utah residents can enroll anytime, as long as they qualify health-wise. 4. Comprehensive Coverage Options Private insurance plans offer robust benefits that can include: Preventive care. Specialist visits. Prescription medications. 5. Ideal for Self-Employed Individuals If you run your own business or work as an independent contractor, private health insurance provides customizable coverage to suit your lifestyle and financial goals. Who Should Consider Private Health Insurance in Utah? Private health insurance is an excellent choice for: Self-Employed Professionals: Enjoy personalized coverage options without relying on employer-sponsored plans. Families: Access flexible plans that prioritize the specific needs of each family member. Frequent Travelers: Nationwide PPO plans ensure you’re covered wherever you go. Small Business Owners: Provide group health insurance for employees with tailored private options. How to Find the Right Private Health Insurance Plan in Utah Navigating the private insurance market can be challenging without the right guidance. Follow these steps to find the best plan: 1. Evaluate Your Needs Do you want nationwide coverage? Do you need additional benefits like dental or vision care? Are you looking for lower premiums or lower deductibles? 2. Compare Plan Options Private plans vary widely, so it’s essential to compare options for cost, coverage, and network size. 3. Work with a Trusted Advisor Licensed health insurance advisors like Jacolby and the Emmie Mae Team simplify the process by: Explaining plan details in plain language. Recommending options tailored to your needs. Ensuring your application is processed smoothly. Common Questions About Private Health Insurance in Utah 1. Can I get private health insurance if I have pre-existing conditions? Some private plans may require medical underwriting, so eligibility depends on your health status. Contact us to explore your options. 2. Is private health insurance more expensive than marketplace plans? Private insurance costs vary depending on the coverage level and provider network, but it often provides better flexibility and additional benefits. 3. Can I switch to private insurance mid-year? Yes! Unlike marketplace plans, private health insurance has no restricted enrollment period, allowing you to switch anytime if you qualify. Why Choose Emmie Mae Health Advisors? At Emmie Mae Health Advisors, we’re here to guide Utah residents through the process of finding private health insurance. Our services include: Personalized Assistance: We take the time to understand your unique health and financial needs. Tailored Recommendations: Get access to plans that prioritize flexibility and comprehensive coverage. Ongoing Support: We’re here year-round to answer questions and make adjustments as your needs change. Ready to explore private health insurance in Utah? Let’s find the perfect plan for you. Call to Action: Get Private Insurance Today Navigating private health insurance options doesn’t have to be complicated. Let Jacolby and the Emmie Mae Team help you find the right plan today. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction Navigating the Utah health insurance marketplace can feel overwhelming, especially during the open enrollment period. With countless plan options, eligibility criteria, and subsidy opportunities, understanding the process is key to finding the right health coverage. At Emmie Mae Health Advisors, we’re here to simplify the process. Whether you’re enrolling for the first time or re-evaluating your current plan, our step-by-step guide to the Utah health insurance marketplace ensures you feel confident and informed. What is the Utah Health Insurance Marketplace? The Utah health insurance marketplace is a platform where individuals and families can compare and purchase health insurance plans. It’s designed to help you: Find ACA-compliant health plans. Determine eligibility for subsidies or Medicaid. Choose coverage that meets your specific health and budget needs. Key Dates: Open Enrollment Period (OEP): Typically runs from November 1 to January 15. Special Enrollment Period (SEP): Available for qualifying life events like marriage, childbirth, or losing other coverage. Step-by-Step Guide to Navigating the Utah Health Insurance Marketplace 1. Determine Your Eligibility Start by understanding what plans and subsidies you qualify for: Income-Based Subsidies: The ACA provides financial assistance based on household income. Medicaid: If your income is below a certain threshold, you may qualify for Medicaid in Utah. Tip: Use the Marketplace income calculator or contact Emmie Mae Health Advisors to determine your eligibility. 2. Compare Plans Look beyond the monthly premium to choose a plan that aligns with your health needs. Consider: Deductibles: The amount you pay out-of-pocket before your plan starts covering expenses. Copays and Coinsurance: How much you’ll pay for doctor visits, prescriptions, and other services. Networks: Ensure your preferred doctors, specialists, and hospitals are in-network. Pro Tip: Reach out to the Emmie Mae team for help understanding plan details and narrowing down your options. 3. Check for Subsidies Subsidies can make coverage more affordable. Utah residents may qualify for: Premium Tax Credits: Lower your monthly premium costs based on your income. Cost-Sharing Reductions (CSRs): Reduce out-of-pocket expenses if you enroll in a Silver plan and meet income requirements. 4. Gather Required Information Before enrolling, ensure you have: Household income documentation (e.g., tax returns, pay stubs). Social Security numbers for all applicants. Current health insurance details (if applicable). 5. Enroll Early Submit your application as early as possible during the open enrollment period. This avoids last-minute stress and ensures you have time to resolve any issues. Why Choose Emmie Mae Health Advisors? Navigating the Utah health insurance marketplace can be complex, but you don’t have to do it alone. At Emmie Mae Health Advisors: We simplify enrollment by guiding you through every step of the process. We personalize recommendations based on your unique health and financial needs. We provide ongoing support to answer questions and make adjustments if your situation changes. Common Questions About the Utah Health Insurance Marketplace 1. What happens if I miss open enrollment? You can only enroll during a Special Enrollment Period (SEP) if you experience a qualifying life event. 2. Can I still get help if I don’t qualify for subsidies? Yes! There are private insurance options available year-round. Contact us to learn more. 3. How do I know if my doctor is covered? When comparing plans, check the network provider lists to ensure your preferred doctors are included. Get Help Today Ready to navigate the Utah health insurance marketplace with confidence? Let the experts at Emmie Mae Health Advisors guide you. Whether it’s finding a plan, applying for subsidies, or answering your questions, we’re here to help every step of the way. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Enrolling in health insurance can feel overwhelming, especially with so many plans, rules, and deadlines to consider. Whether it’s open enrollment or a special enrollment period, having the right guidance makes all the difference. Reach out to Jacolby and the Emmie Mae Team, who specialize in providing health insurance enrollment assistance to make the process simple and stress-free. This guide walks you through key steps and provides expert tips to help you secure the right coverage for your needs. Why Health Insurance Enrollment Matters Enrolling in health insurance ensures you’re protected from unexpected medical expenses while giving you access to essential health services, such as: Preventive care (e.g., vaccines, checkups) Emergency services Prescription drugs Missing the enrollment window could leave you without coverage, leading to high out-of-pocket costs or delayed care. If you need help navigating your options, health insurance enrollment assistance is available through Jacolby and the Emmie Mae Team. When to Enroll in Health Insurance There are three main opportunities to enroll: 1. Open Enrollment Period (OEP) The annual window to enroll in or switch health insurance plans. Typically runs from November to mid-January for ACA Marketplace plans. 2. Special Enrollment Period (SEP) Available if you experience a qualifying life event like: Marriage or divorce Having a baby Moving to a new area Losing other health coverage If you qualify for an SEP, you generally have 60 days to enroll in a new plan. 3. Private Options Are Available Year-Round Unlike ACA Marketplace plans, private health insurance can be purchased anytime during the year. Many private plans require you to meet certain health qualifications to enroll. These plans often offer more flexibility in terms of coverage and networks, making them a great choice for individuals or families seeking year-round options. Tip: Contact Jacolby and the Emmie Mae Team for expert health insurance enrollment assistance to explore your private plan options. Steps for Stress-Free Health Insurance Enrollment 1. Understand Your Coverage Needs Think about your health history and priorities, such as: Do you need regular specialist visits? Are prescription medications a key concern? Do you anticipate major life changes, like starting a family? 2. Gather the Necessary Information Before starting your application, have the following ready: Proof of income (e.g., tax returns or pay stubs) Social Security numbers for all household members Details of your current health coverage (if applicable) 3. Explore Your Options With so many plans available, comparing options is essential. Look for: Premiums: Monthly cost of the plan Deductibles: What you pay before the insurance kicks in Network: Check if your preferred doctors and hospitals are in-network Tip: Reach out to Jacolby and the Emmie Mae Team to guide you through the details and help you weigh the pros and cons of each plan. 4. Don’t Forget About Subsidies If you qualify for ACA subsidies, they can significantly reduce your premium or out-of-pocket costs. Use tools like the Marketplace calculator or consult with Jacolby for accurate estimates. 5. Submit Your Application Early Avoid the stress of last-minute submissions by applying early in the enrollment window. This ensures you have time to review and address any issues. Common Mistakes to Avoid During Enrollment Underestimating Income Be as accurate as possible when estimating your income to avoid subsidy repayment surprises. Skipping Plan Details Don’t focus solely on premiums—compare deductibles, copays, and network coverage to ensure the plan meets your needs. Missing Deadlines Mark key dates for open enrollment and SEPs to avoid gaps in coverage. How Emmie Mae Health Advisors Can Help Health insurance enrollment doesn’t have to be complicated. At Emmie Mae Health Advisors, Jacolby offers: Personalized Guidance: We take the time to understand your unique situation. Simplified Enrollment: From gathering documents to submitting applications, we handle the heavy lifting. Ongoing Support: Need help with claims or plan renewals? Jacolby and the Emmie Mae Team are here for you year-round. Real-Life Success Story When Amanda, a young professional in Scottsdale, lost her job and health coverage, she was overwhelmed by the enrollment process. She reached out to Jacolby, who: Explained her SEP eligibility. Helped her find a budget-friendly plan that included her preferred doctors. Walked her through the application step by step. Amanda now feels confident in her coverage and knows she has a trusted advisor for future needs. FAQs About Health Insurance Enrollment 1. What happens if I miss open enrollment? You can only enroll if you qualify for a Special Enrollment Period, Medicaid, or another government program. However, you can enroll in private health insurance anytime if you meet the health qualification requirements. 2. Can I update my income after enrolling? Yes! Update your income in the Marketplace to adjust your subsidy and avoid overpayments or repayment obligations. 3. Do I need to enroll every year? Not necessarily. If you’re happy with your current plan and it’s still available, it may renew automatically. However, reviewing your options annually is always a good idea. Let’s Make Enrollment Easy Ready to enroll in health insurance? Don’t stress about navigating the process alone. At Emmie Mae Health Advisors, Jacolby and the Emmie Mae Team are here to simplify enrollment and help you find the perfect plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction  Health insurance subsidies, also known as Advanced Premium Tax Credits (APTC), help lower your monthly premiums when purchasing coverage through the Health Insurance Marketplace. However, if you earn more than you estimated by the end of the year, you may need to repay part or all of the subsidy during tax season. Get ready to take a deep dive into health insurance subsidy repayment. In this article, we’ll break down: Why reconciliation happens What repayment looks like Steps to avoid large repayments Answers to common questions How Health Insurance Subsidies Work When applying for health insurance through the ACA Marketplace: Your subsidy (APTC) is based on your estimated income for the year. At tax time, your actual income is used to determine if you received the correct subsidy. If you earned more than expected, you’ll need to reconcile the difference on your tax return using IRS Form 8962. What Happens If You Earn More Than Expected? If your income exceeds your original estimate: Reconciliation: At tax time, the subsidy you received is compared to the amount you were actually eligible for. Repayment: You will need to pay back part or all of the subsidy, depending on your income level. Repayment Rules Based on Income If Your Income Is Below 400% of the Federal Poverty Level (FPL): Health insurance subsidy repayment caps apply, limiting the amount you owe. The cap depends on your income level and household size. If Your Income Exceeds 400% of the FPL: You’ll need to repay the entire subsidy received during the year. There are no repayment caps for individuals earning above 400% FPL. How to Avoid Large Subsidy Repayments To avoid surprises during tax season, follow these steps: 1. Update Your Income Estimate Promptly If you get a raise, start a new job, or earn more than expected, update your income with the Marketplace immediately. 2. Opt for Partial Subsidies Instead of receiving the full subsidy upfront, choose to receive a partial subsidy and claim the rest as a tax credit when you file your taxes. 3. Monitor Your Income Regularly Keep track of income changes, such as: Job promotions Side income or freelance earnings Bonuses 4. Keep Records Save any income-related documents, including: Pay stubs Job offer letters Tax filings 5. Consult a Tax Professional A tax professional can help you understand how to reconcile your subsidy and avoid unexpected repayments. Example Situation of Health Insurance Subsidy Repayment Let’s say a family of three estimated their income at $40,000 (200% of the Federal Poverty Level): They qualified for a large subsidy. By the end of the year, their actual income was $60,000 (300% of the FPL). Result: At 300% of FPL, the family is eligible for a smaller subsidy. They must repay the difference between the subsidy they received and what they actually qualified for, subject to the repayment cap. FAQs: Health Insurance Subsidy Repayments 1. What happens if I can’t afford to repay the subsidy? If you’re experiencing financial hardship, the IRS may offer repayment waivers in rare cases. Contact a tax professional for guidance. 2. How often should I update my income in the Marketplace? You should update your income as soon as you experience changes, such as a new job, a raise, or freelance income. 3. Can I avoid repayment altogether? Yes. You can choose to take a smaller subsidy upfront and claim the remaining amount as a tax credit at the end of the year. 4. Are there caps on how much I repay? Yes, if your income stays below 400% of the Federal Poverty Level. If you exceed that threshold, there are no repayment caps. Final Tips to Stay on Track To ensure you’re aligned with your subsidy: Monitor your income regularly. Report changes promptly to the Marketplace. Work with a tax professional to minimize repayment liability. By staying proactive, you can avoid surprises and keep your health insurance affordable. Get Expert Help with Health Insurance Subsidies Managing health insurance subsidies can be confusing, but you don’t have to do it alone. At Emmie Mae Health Advisors, we specialize in helping individuals and families navigate the Marketplace and understand their options. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction Health insurance is full of complex terms that can be confusing, especially for first-time buyers or those trying to compare plans. Understanding these key terms can empower you to make informed decisions, save money, and choose the right coverage for your needs. This comprehensive glossary covers the most important health insurance terms—from A to Z—to help you navigate your health insurance journey with confidence. Need more personalized advice? Contact the Emmie Mae Team, licensed health insurance advisors, to simplify the process and find the right plan for you. A Comprehensive Glossary of Health Insurance Terms (A-Z) A Affordable Care Act (ACA) Federal legislation designed to increase access to affordable health insurance, offering subsidies for lower-income individuals and setting coverage requirements. Annual Limit The maximum amount your health plan will pay for covered services in a year. ACA-compliant plans no longer have annual limits on essential health benefits. B Balance Billing When a provider bills you for the difference between their charge and what your insurance pays. This typically occurs when using out-of-network providers. Beneficiary The person eligible to receive health benefits under your insurance policy, such as a spouse or child. C Copayment (Copay) A fixed amount you pay for a covered service, such as $30 for a doctor visit, due at the time of the service. Coinsurance The percentage of costs you pay for covered services after meeting your deductible. For example, if your coinsurance is 20% and your bill is $1,000, you pay $200. Coverage Year The 12-month period during which your health plan is active, often aligning with the calendar year. D Deductible The amount you must pay out-of-pocket for covered services before your insurance plan starts to pay. Dependent A family member (such as a child or spouse) covered under your health insurance plan. E Essential Health Benefits (EHBs) A set of 10 healthcare services, such as maternity care, preventive care, and mental health services, that all ACA-compliant plans must cover. Explanation of Benefits (EOB) A document from your insurer detailing what services were covered, how much was paid, and any balance you owe. F Flexible Spending Account (FSA) A pre-tax account used to pay for eligible medical expenses, such as co-pays or prescriptions. Unused funds typically do not roll over into the next year. Formulary A list of prescription drugs covered by your health insurance plan, often organized into cost tiers. H Health Maintenance Organization (HMO) A plan that requires members to use in-network providers and get referrals from a primary care doctor to see specialists. HMOs generally have lower premiums but less flexibility. Health Savings Account (HSA) A tax-advantaged savings account available with high-deductible health plans (HDHPs) to pay for medical expenses. Funds roll over year to year. I In-Network Provider A healthcare provider contracted with your insurance company to offer services at discounted rates. Individual Health Plan Health care coverage purchased for one person, without dependents, also known as individual coverage. Inpatient Services Services provided when you’re registered as a patient in a hospital or healthcare facility. L Lifetime Limit The maximum amount an insurance plan will pay for covered services over your lifetime. ACA-compliant plans no longer impose lifetime limits. M Medicaid A federal and state program offering free or low-cost health insurance for eligible low-income individuals and families. Medicare A federal health insurance program for people aged 65 or older and some younger individuals with disabilities. N Network The group of doctors, hospitals, and other healthcare providers that your insurance company has contracted with to provide services at reduced costs. O Out-of-Pocket Maximum The most you’ll pay for covered services in a plan year. Once you reach this limit, your insurance pays 100% of eligible expenses. Open Enrollment Period The designated time of year when individuals can sign up for, renew, or change their health insurance plans. P Premium The monthly payment you make to maintain your health insurance coverage. Preferred Provider Organization (PPO) A type of health plan offering a wider network of providers, allowing you to see any doctor or specialist without needing a referral. PPOs also cover out-of-network services, though at a higher cost. T Telehealth Remote healthcare services provided via phone or video call, often covered by most insurance plans. Tiered Network A health plan structure grouping providers into tiers based on cost and quality. Lower-tier providers typically cost less. Why Understanding These Terms is Essential “Knowing these terms isn’t just about being informed—it’s about empowering yourself to make smarter, more cost-effective health insurance decisions,” says Jacolby “Jay” Gilliam, a licensed health insurance advisor. How to Use This Glossary Bookmark this page for future reference. Share it with friends or family who need help understanding health insurance. Contact Jay and the Emmie Mae Team for personalized guidance and support. Get Expert Help with Your Health Insurance Understanding health insurance terms is a great first step, but having an expert by your side makes it even easier. At Emmie Mae Health Advisors, we specialize in simplifying the process and finding plans tailored to your needs. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here Note: This health insurance terms glossary is for informational purposes only and may not encompass all health insurance terms. For specific plan details, consult your policy documents or contact your insurance provider.

Introduction Open enrollment is a critical time to secure health insurance, but life doesn’t always wait for designated enrollment dates. If you’ve missed the open enrollment period, you might feel like your options are limited. The good news is there are still ways to get health coverage outside open enrollment. At Emmie Mae Health Advisors, we specialize in helping individuals, families, and small business owners navigate their health insurance options year-round. If you’re feeling overwhelmed or unsure of where to start, don’t worry—Jacolby Gilliam and the Emmie Mae Team are here to help you every step of the way. What is Open Enrollment and Why Does It Matter? Open enrollment is the annual window when you can sign up for or change your health insurance plan. For many people, this is the primary opportunity to secure coverage for the upcoming year. Missing this window can leave you without insurance, which can be financially and medically risky. However, life doesn’t always fit neatly into the open enrollment timeline. If you need health insurance outside this period, there are several pathways to get coverage. How to Get Health Coverage Outside Open Enrollment 1. Special Enrollment Period (SEP) Certain life events, called qualifying life events, trigger a special enrollment period that allows you to sign up for health insurance outside the standard timeframe. Common Qualifying Life Events Include: Marriage or Divorce: A significant change in household size. Having a Baby or Adopting a Child: Expanding your family qualifies you for SEP. Losing Other Coverage: Losing employer coverage or aging out of your parent’s plan at 26. Relocating: Moving to a new coverage area. You typically have a 60-day window from the date of the qualifying event to enroll in a new plan. Pro Tip: If you think you qualify for SEP but aren’t sure how to proceed, reach out to Jacolby “Jay” Gilliam and the Emmie Mae Team for expert guidance. 2. Medicaid or CHIP For individuals and families with limited income, Medicaid and the Children’s Health Insurance Program (CHIP) offer year-round enrollment. Medicaid: Provides comprehensive coverage, including preventive care, hospital services, and prescriptions. CHIP: Offers affordable health insurance for children in families that don’t qualify for Medicaid but need assistance. Eligibility depends on income and household size, and Jay and the Emmie Mae Team can help you determine if you qualify. 3. Short-Term Health Insurance Plans Short-term health insurance is designed to fill coverage gaps for those who don’t qualify for SEP or Medicaid. Benefits of Short-Term Plans: Affordable Premiums: Lower costs compared to ACA plans. Fast Approval: Coverage can start within days of application. Flexible Terms: Plans are typically available for 1–12 months. Drawbacks: These plans don’t cover pre-existing conditions and may lack comprehensive benefits, so they’re best used as temporary solutions. CTA: Need coverage quickly? Contact Jay and the Emmie Mae Team to explore short-term plan options. 4. Private Health Insurance Plans Private health insurance plans are available year-round and offer flexibility not always found in ACA plans. Why Consider Private Insurance? Nationwide PPO Networks: Ideal for those who travel frequently. Customizable Coverage: Add dental, vision, or mental health benefits. More Plan Options: Tailor coverage to fit your unique needs. CTA: Explore your private insurance options with Jay and the Emmie Mae Team today. Why Work with a Health Insurance Advisor? Navigating health insurance outside open enrollment can be confusing, but Jay and the Emmie Mae Team make it easy. Here’s how we can help: Expert Guidance: We understand the complexities of health insurance and can help you find the right coverage. Wide Range of Options: Access to ACA plans, short-term insurance, private health plans, and more. Personalized Service: We take the time to understand your needs and recommend plans that fit your lifestyle and budget. CTA: Ready to get started? Contact Jay and the Emmie Mae Team today to explore your health coverage options. Common Mistakes to Avoid When securing health insurance outside open enrollment, avoid these pitfalls: Waiting Too Long: If you qualify for SEP, act quickly to enroll within the 60-day window. Assuming You’re Out of Options: There are always pathways to coverage, even if you miss open enrollment. Skipping Expert Advice: A licensed advisor can save you time, stress, and money by finding the right plan for you. FAQs About Health Coverage Outside Open Enrollment Can I get health insurance if I missed open enrollment? Yes, through special enrollment, Medicaid, short-term insurance, or private plans. What qualifies as a life event for SEP? Marriage, divorce, having a baby, losing other coverage, or moving to a new area. Are short-term health plans worth it? They’re a good temporary solution but may not provide comprehensive benefits. Conclusion Missing open enrollment doesn’t mean you’re out of options for health insurance. With solutions like special enrollment periods, Medicaid, short-term plans, and private insurance, you can still find coverage that fits your needs. At Emmie Mae Health Advisors, we’re here to guide you every step of the way. Don’t wait—reach out to Jacolby “Jay” Gilliam and the Emmie Mae Team today for expert advice and support in finding the right plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Calendly Link Get your personalized quote here

Health insurance can feel like a major expense, but the Affordable Care Act (ACA) provides financial assistance to help make coverage more affordable. Known as ACA subsidies, these programs are designed to reduce costs for eligible individuals and families. If you’re an Arizona resident wondering how to save on health insurance, you’re in the right place. Jacolby “Jay” Gilliam and the Emmie Mae Health Advisors Team, licensed health insurance advisors, specialize in helping Arizonans navigate the complexities of ACA subsidies. Whether you’re new to the ACA or just want to maximize your benefits, we’re here to guide you every step of the way. What are ACA Subsidies? a. Definition and Purpose ACA subsidies are financial assistance programs that make health insurance more affordable for eligible Americans. These subsidies come in two primary forms: Premium Tax Credits: Lower the cost of your monthly health insurance premiums. Cost-Sharing Reductions (CSRs): Reduce your out-of-pocket costs, including deductibles, copayments, and coinsurance. These subsidies are designed to ensure that everyone—regardless of income—has access to quality healthcare. Who is Eligible for ACA Subsidies in Arizona? a. Income Requirements Your eligibility for ACA subsidies is based on your income as a percentage of the Federal Poverty Level (FPL): 100% to 400% of the FPL: Most individuals and families within this range qualify for premium tax credits. Above 400% of the FPL: Recent changes through the American Rescue Plan have expanded subsidies, so even higher-income earners may qualify for reduced premiums. b. Household Size The size of your household also plays a significant role. For example: A single individual earning $30,000 a year in Arizona will likely qualify for a premium tax credit. A family of four earning $60,000 can benefit from both premium tax credits and cost-sharing reductions. c. Other Eligibility Criteria To qualify, you must: Live in the U.S. and be a legal resident. Not have access to affordable coverage through an employer. Enroll in a health plan through the ACA marketplace. How to Calculate Your ACA Subsidy Determining the amount of your subsidy depends on several factors, including your income, household size, and location. a. Online Tools Use tools like the Healthcare.gov calculator to get an estimate of your premium tax credit. b. Example Calculation Let’s consider an Arizona family of four with an annual income of $50,000: Monthly Premium: $1,200 for a Silver plan. Tax Credit: $800/month. Out-of-Pocket Premium: $400/month after the subsidy. CTA: “Not sure how much you qualify for? Let Jay and the Emmie Mae Team calculate your subsidy and find the right plan for you.” Benefits of ACA Subsidies in Arizona Lower Monthly Premiums: Many plans become affordable with premium tax credits. Comprehensive Coverage: All ACA plans include essential health benefits like preventive care, prescription drugs, and hospital visits. Reduced Out-of-Pocket Costs: Cost-sharing reductions make healthcare more accessible, especially for lower-income families. How to Enroll in an ACA Plan with Subsidies a. Enrollment Periods Open Enrollment: Typically runs from November through mid-January. Special Enrollment Periods (SEP): Available if you experience qualifying life events such as marriage, childbirth, or loss of other health coverage. b. Steps to Enroll Visit Healthcare.gov or work with a licensed health insurance advisor like Jay Gilliam. Enter your income and household details to check eligibility. Compare available plans and enroll in the one that best fits your needs. CTA: “Need assistance with enrollment? Schedule a consultation with the Emmie Mae Team today.” Common Mistakes to Avoid Skipping Income Updates: Not reporting changes in your income could lead to overpayment or underpayment of subsidies. Choosing the Wrong Plan Tier: Cost-sharing reductions are only available with Silver plans, so selecting another tier may increase your costs. Delaying Enrollment: Missing enrollment deadlines could leave you without coverage. Real-Life Success Story: How ACA Subsidies Helped an Arizona Family When Sarah, a single mother of two in Tucson, lost her job, she worried about losing her health insurance. After reaching out to Jay and the Emmie Mae Team, she discovered she qualified for both premium tax credits and cost-sharing reductions. Here’s how Sarah’s costs broke down: Full Premium: $1,000/month. Tax Credit: $750/month. Out-of-Pocket Premium: $250/month. Cost-Sharing Reduction: Lowered her deductible and copayments by 50%. Today, Sarah has peace of mind knowing she and her kids are covered. FAQs About ACA Subsidies in Arizona 1. Can I qualify for subsidies if I’m self-employed? Yes, as long as your income meets eligibility requirements. 2. Do I need to reapply for subsidies each year? Yes, it’s important to update your income and household information annually. 3. What happens if my income changes mid-year? Report changes as soon as possible to adjust your subsidy amount. Conclusion ACA subsidies are a valuable tool for lowering your health insurance costs in Arizona. Whether you’re navigating the marketplace for the first time or trying to maximize your savings, Jacolby and the Emmie Mae Team can help. With personalized guidance and expert support, you’ll find the coverage that fits your needs and budget. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction As a small business owner, you wear many hats—from managing operations to ensuring your employees are happy and productive. One of the best ways to attract and retain top talent is by offering health insurance, but navigating the complexities of health plans can be overwhelming. That’s where health insurance brokers come in. Jacolby “Jay” Gilliam and the Emmie Mae Health Advisors team specialize in helping small business owners find affordable and tailored health insurance solutions. With their expertise, you can save time, reduce costs, and provide the benefits your employees need. The Benefits of Offering Health Insurance as a Small Business Owner Attracting and Retaining Top Talent Today’s employees expect health insurance benefits. Offering a robust health plan can make your business stand out, attracting skilled professionals and keeping your current team happy. “Providing health insurance isn’t just about compliance—it’s about creating a workplace that people want to be part of,” says Jay Gilliam, founder of Emmie Mae Health Advisors. Tax Benefits and Incentives Offering health insurance can also be financially beneficial. Small business owners may qualify for tax deductions and credits, such as the Small Business Health Care Tax Credit, which can offset the cost of premiums. Jacolby and his team help small business owners navigate these opportunities, ensuring they maximize savings while offering competitive benefits. Why Work With Health Insurance Brokers for Small Business Owners? Expertise and Market Knowledge The health insurance market is complex, with countless plans, providers, and regulations to consider. Brokers like Jay bring years of experience to the table, helping you identify the best options for your business and employees. Access to Group Plans Small business owners often struggle to find affordable group plans on their own. Jay and his team have access to a variety of group insurance options, ensuring you get a plan that fits your budget and provides comprehensive coverage for your employees. “Group plans are often the most cost-effective way to provide quality benefits,” says Jay. “We make it easy to find one that works for your business.” Time and Stress Savings Sorting through insurance plans, handling enrollment paperwork, and managing renewals can take valuable time away from running your business. By working with a broker, you offload these tasks to an expert. “Our goal is to simplify the process for business owners so they can focus on what they do best,” says Jacolby Gilliam. Cost Efficiency Health insurance brokers negotiate with insurers on your behalf, ensuring you get the most value for your money. Jacolby “Jay” Gilliam emphasizes that brokers can often secure better rates and benefits than business owners can achieve on their own. How to Choose the Right Health Insurance Broker Experience Look for a broker with a proven track record in helping small businesses. Jay Gilliam and his team have extensive experience serving small business owners across Arizona, Texas, Utah, and Oklahoma. Transparent and Unbiased Advice Work with a broker who prioritizes your needs over specific providers. Jay and the Emmie Mae Team pride themselves on offering transparent, unbiased advice. Ongoing Support Health insurance isn’t a one-and-done process. From managing claims to navigating renewals, brokers like Jacolby Gilliam offer year-round support to ensure your plan continues to meet your needs. Real-Life Success Story: A Small Business Owner’s Experience Sarah, a small business owner in Phoenix, wanted to offer health insurance to her employees but was overwhelmed by the options and costs. She reached out to Jay and the Emmie Mae Team, who: Identified a group plan that fit her budget. Simplified the enrollment process for her employees. Provided ongoing support to manage claims and renewals. “Working with Jay was a game-changer,” Sarah says. “He made the process easy, and now my team is happier and healthier.” FAQs About Health insurance brokers for small business owners 1. How do brokers save small business owners money? Brokers like Jacolby Gilliam compare multiple providers to find cost-effective plans tailored to your needs. 2. Do I need a certain number of employees to work with a broker? No, brokers can help businesses of all sizes. Whether you have 2 employees or 20, Jay can find a plan for you. 3. Is there a fee for using a broker? Most brokers are compensated by insurance providers, so their services are free for small business owners. Conclusion Offering health insurance is one of the best ways to support your employees and grow your business, but finding the right plan can be daunting. By working with a trusted health insurance broker like Jacolby “Jay” Gilliam and the Emmie Mae Team, you can simplify the process, save money, and provide quality coverage for your team. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here