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Kirk Bernhard

PO BOX 352917
Toledo, OH 43635


Ph: 419-474-8340

Fax: 866-505-8622

Option 2: Off Exchange with a private insurance carrier

This option may be more appealing if your income is above 400% of the federal poverty level or you want to avoid the healthcare.gov website.

 

The plan designs offered Off Exchange will be very similar to the plans offered On Exchange.

 

What plans will be available?

All individual and group plans offered after 1/1/2014 must be sold by tiers. The tiers for plans offered are to be based on actual value scores as follows:

           

Platinum – 90%, Gold – 80%, Silver – 70%*, Bronze – 60%, Catastrophic – 50%

                     

*To our knowledge, Silver plan designs will the only available plan option for a premium subsidy and lower out of pocket costs. 

 

How will rates be calculated?

Plans will be guarantee issue and will be based on community rating which will include:

 

Age, Tobacco Use, Geography, and Family Tier

  

What is my penalty if I do not elect coverage health insurance?

Individual Mandate will have the following penalty:

 

            $695 or 2.5% of MAGI for 2016

            Penalty rates will increase by cost-of-living adjustment after 2016