Your browser version is outdated. We recommend that you update your browser to the latest version.

Kirk Bernhard

PO BOX 352917
Toledo, OH 43635

Ph: 419-474-8340

Fax: 866-505-8622

Option 1: On Exchange / Marketplace (

Choose this option if you believe your household income would be below 400% of the federal poverty level. Log on to and apply for a subsidy to check your eligibility.


The amount of your subsidy depends on your family size and combined income. In general, if your household income is less than the amounts below, you may qualify to save money on your premiums in 2017. (Amounts below are based on the 2016 federal poverty level and are likely to be slightly higher in 2017.)

  • $47,520 for individuals
  • $80,640 for a family of 3
  • $64,080 for a family of 2
  • $97,200 for a family of 4

 If you choose coverage On Exchange, we recommend a multi-stage approach to reviewing options on the Federal Exchange / Marketplace.


  1. Create an account at  In doing so, you will enter in your personal information to see if you qualify for a subsidy.  Allow 30-45 minutes to complete. During the process, you will be shown a screen labeled “Help applying for coverage.”  On this screen, it is vital that you enter the following information:


                        Agent/Broker’s name: Kirk Bernhard

                        National Producer Number (NPN): 2828814

                        FFM User ID:  bernhardcms


            Entering this information will ensure that we, as your agent, are able to assist with

            your coverage during the enrollment process and in the future.


  1. Once you have verified your eligibility for a government subsidy, please give us a call to review health insurance plan options.


NOTE:  If you enroll online, please send us a copy of your enrollment summary.