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Individual and Family Health Insurance

Finding health insurance in today’s marketplace can seem impossible. If you’re one of the millions of Americans who buys their own health coverage, individual health insurance can offer you a confusing array of options — not all of them good, and few that are inexpensive. Sure, it may seem easy to find an agent who will offer you cheap health insurance, but here’s the thing: Health coverage isn’t cheap if it doesn’t adequately cover your expenses when you need it most. Thanks to the recently passed health reform legislation, the landscape is changing for consumers. Millions of uninsured have access to quality, low-cost health insurance. Their biggest challenge? Knowing their options so they can choose the right coverage.

Free Quotes for Life InsuranceHealth Insurance, and Disability Insurance  in Virginia, Maryland, Washington DC, Pennsylvania and West Virginia: visit www.obfs.net TODAY!

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OPTION 1: ON MARKETPLACE / EXCHANGE

If your income is below 400% of the federal poverty limit (See the Federal Poverty Guidelines Table below:) — which is about $48,240 for an individual and $98,400 for a family of four — you’ll be able to shop for a policy in the PUBLIC MARKETPLACE / INSURANCE EXCHANGE. 

CONFUSED YET? If you have any questions or would like a step by step walk through and explanation, please email me  @ Michael@obfs.net or call me. 703-654-6050

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OPTION 2: OFF MARKETPLACE / EXCHANGE

If your income is above 400% of the federal poverty limit (See the Federal Poverty Guidelines Table below:) — which is about $48,240 for an individual and $98,400 for a family of four — you’ll be able to shop for a policy in the PRIVATE MARKETPLACE / INSURANCE EXCHANGE.     

CONFUSED YET? If you have any questions or would like a step by step walk through and explanation, please email me  @ Michael@obfs.net or call me. 703-654-6050

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Virginia Coverage Map – By County

Please click link above to see the Carriers Coverage in your Area 

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2018 OFF Exchange Carriers

Individual Health Insurance Companies    

 

                    Anthem Insurance Virginia Maryland
 Carefirst Insurance Virginia Maryland                                  cigna_logo       
   kplogo              

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Special Enrollment Period Options

A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. ON or OFF the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.

Call 703-654-6050 or Email us here if you wish to receive any information on about the  Special Enrollment options.

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Click here for Short-Term Health Insurance

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Click here for Metal GAP Coverage Plans

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Click her for Critical Illness Plans

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Travel – International Insurance

Travel Medical Insurance - International Medical Group
Quote/Purchase International Travel Medical Insurance

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Individual Vision Insurance

vsp

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Dental Insurance

    Anthem Insurance Virginia Maryland        Carefirst Insurance Virginia Maryland        ES_Dental              cigna_logo

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Dental Savings Plans

Save up to 60% on Dental Care - Click to Find your Plan

Dental Savings Plan

With a dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.

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Attention: This website is operated by O’Brien Benefits & Financial Services Inc. and is not the Health Insurance Marketplace website. In offering this website, O’Brien Benefits & Financial Services Inc. is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at healthcare.gov.