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Individual and Family Health Insurance from OBFS.net

Individual and Family Health Insurance Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, as opposed to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But if this is not an option for you, it is still important for you to more »


Disability Insurance – Are You Covered?

Protect Your Most Valuable Asset Your most important asset is not your home, your car, your jewelry or other possessions. It’s your ability to earn a living. Think about it. All of your plans for the future – from buying a home to putting your kids through college to building a retirement nest egg – are based on the assumption you will continue to more »


How much does HSA-qualified health insurance cost ?

Because HSA-qualified health plans all have high deductibles, they typically have much lower premiums than traditional health insurance plans. The plans are individually priced based on age, residence, health history, build, date of enrollment, type of plan, deductible, PPO network options selected, billing method and other services. Our instant quote system will quickly provide you rates on the plans available in your area.


How does a Health Savings Account work ?

You obtain coverage under a qualified health insurance plan with a minimum deductible of $1,200 for singles and $2,400 for families. You are then allowed to deposit up to $3,050 for singles or $6,150 for families into your Health Savings Account for 2010 & 2011. Older Americans can save even more. You do not have to itemize your deductions on your federal income taxes more »


What is a Health Savings Account?

An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses. The money deposited, as well as the earnings, is tax-deferred. The money can then be withdrawn to cover qualified medical expenses tax-free. Unused more »