Premium tax credits (PTCs) are a type of financial assistance, or subsidy, available to Marketplace enrollees. PTCs help reduce the monthly cost (or premium) of your health insurance plan.

You qualify for a premium tax credit if your estimated annual household income falls within certain income levels for your household size. The lower income, the larger the credit. You can apply premium tax credits toward any metal level of coverage.

We partner with some of the top Health Insurance providers in the country, including: Oscar Health, Cigna, Anthem, AvMed,  Ambetter, and Blue Cross, Blue Shield. This way our wise agents provide you the best policy for your needs, at the best price.

Cost-sharing reductions (CSRs) are another type of financial assistance, or subsidy, available to Marketplace enrollees. CSRs help lower the amount you pay for copays, coinsurance, and deductibles. You qualify for the cost-sharing reduction if your estimated annual household income falls within certain guidelines of the Federal Poverty Level.

Unlike the premium tax credit, which can be applied toward any metal level of coverage, cost sharing reductions are only offered through Silver plans. 

Once you enroll in a plan, ensure that you receive care from providers that are in-network.  Providers in our network have already agreed to our negotiated rates.  Even if you have a deductible and have to pay out-of-pocket for some care, you'll still get the benefit of paying lower rates.  Also, any payments you make for covered services with in-network doctors will be credited toward your deductible and out-of-pocket maximum.

If you have a minor health issue, visit your in-network primary care provider.  You can talk to a healthcare provider anytime using Virtual Urgent Care.  They can provide immediate care for urgent problems like pink-eye, skin issues, minor sprains, bruises, flu, or a sore throat. 

Only visit the emergency room if you have a life-threatening emergency.

Most plans cover preventive care at no cost to you when you visit an in-network doctor.  Preventive care includes annual checkups, screenings, vaccines, and more.  That’s a great way to stay on top of your health and save at the same time.  Find out more about the essential health benefits covered by one of our providers, which includes preventive care and more.

Based on the criteria mentioned above for both Open Enrollment (November 1st to December 15th), or Special Enrollment, you can use our self-serve link HERE, or schedule a consultation HERE.