Individual & Family Plans

Whether you’re looking for a plan to cover yourself, your entire family or your college student, a major medical health insurance plan can be molded to fit your needs. Assessing your needs can be a difficult process, but you want to purchase a plan that will work best with your family and lifestyle. The experts at Graber & Associates are ready to help you with the details.

On-Marketplace / Off-Marketplace Insurance

Depending on your household income, you may qualify for a “Premium Tax Credit” and possibly “Cost Sharing Reductions” through the health insurance Marketplace. Here are some factors we will consider when determining whether you and your family will benefit more from enrolling on the Marketplace or off the Marketplace:

Household size
Expected income
Healthcare providers
Other coverage availability, such as employer sponsored coverage
On-Marketplace vs. Off-Marketplace benefits

The experts at Graber & Associates will guide you through the constantly changing health insurance environment free of charge and ensure you and your family enroll in the best plan for your situation. Call or email us today!

Federal Poverty Limits

When deciding whether to enroll in an individual/family health insurance plan through the Marketplace, we want to verify whether the household income will be between 100% and 400% of the Federal Poverty Limit in the year of coverage. This can determine whether an individual/family will qualify for a Premium Tax Credit and possibly Cost Share Reductions. For a reference point, see the below chart:

Federal Poverty Guidelines for 2024 subsidy Eligibility (2023 levels used to calculate savings)

Household Size	100%	138%	150%	200%	250%	300%	400%
1	$14,580	$20,120	$21,870	$29,160	$36,450	$43,740	$58,320
2	$19,720	$27,214	$29,580	$39,440	$49,300	$59,160	$78,880
3	$24,860	$34,307	$37,290	$49,720	$62,150	$74,580	$99,440
4	$30,000	$41,400	$45,000	$60,000	$75,000	$90,000	$120,000
5	$35,140	$48,493	$52,710	$70,280	$87,850	$105,420	$140,560
6	$40,280	$55,586	$60,420	$80,560	$100,700	$120,840	$161,120
7	$45,420	$62,680	$68,130	$90,840	$113,550	$136,260	$181,680
8	$50,560	$69,773	$75,840	$101,120	$126,400	$151,680	$202,240

View Federal Poverty Guidelines for 2019 Subsidy Eligibility PDF

COVID-19 Relief (2021-2025)

In March 2021, the American Rescue Plan Act (ARPA) was passed in an effort to increase and expand access to marketplace premium subsidies for individuals enrolled in marketplace health plans, as well as create more opportunities to sign up for marketplace health plans. In August 2022, the Inflation Reduction Act further guaranteed these changes remain in place through 2025. This legislation changed the health insurance marketplace in multiple ways including:

Increased marketplace subsidies for all eligible enrollees through 2025
Households making more than 400% FPL can now qualify for premium tax credits
More potential marketplace enrollees now eligible for zero-premium plan
See below graphic for more details

percent of income paid

Additional Benefits

Dental
Vision
Accidental Injury
Cancer
Critical Illness

Contact a specialist at (800) 669-3959 for further details!

Enroll Now

We recommend contacting Graber & Associates at (800) 669-3959 to enroll in a plan, but you can self-enroll using one of our marketplace experts' personalized link below. This is of no additional cost to you and ensures Graber & Associates can service your Marketplace plan in the future: