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 look into when determining whether you and your family will benefit more from enrolling on the Marketplace or possibly off the Marketplace:

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

The experts at Graber & Associates will guide you through this constantly changing health insurance environment free of charge and ensure you and your family enroll in the right 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 a Cost Share Reduction. For a reference point see the below chart:

Federal Poverty Guidelines for 2019 Subsidy Eligibility

Household Size 100% 133% 150% 200% 250% 300% 400%
1 $12,490 $16,612 $18,735 $24,980 $31,225 $37,470 $49,960
2 $16,910 $22,490 $25,365 $33,820 $42,275 $50,730 $67,640
3 $21,330 $28,369 $31,995 $42,660 $53,325 $63,990 $85,320
4 $25,750 $34,248 $38,625 $51,500 $64,375 $77,250 $103,000
5 $30,170 $40,126 $45,255 $60,340 $75,425 $90,510 $120,680
6 $34,590 $46,005 $51,885 $69,180 $86,475 $103,770 $138,360
7 $39,010 $51,883 $58,515 $78,020 $97,525 $117,030 $156,040
8 $43,430 $57,762 $65,145 $86,860 $108,575 $130,290 $173,720

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