We Tailor Individual Health Plans to Fit Your Needs
Individual Health Insurance
Individual Health Insurance
Individual Health Insurance
Health insurance has changed and the new way, brought on by the passage of the Affordable Care Act (ACA), has come about. To some, these changes may seem intimidating, while others may find it exciting. Either way, we are here to help you navigate through the process. As a licensed health insurance broker, we DO NOT charge you a fee, and you DO NOT pay more for your insurance to have us help you. The insurance companies pay us directly when you enroll in one of their policies. You will pay the same premium whether you have us help you or not. We are available to answer any questions you may have before you decide on, and enroll in, a plan. There are many factors to consider and it is in your best interest to work with a broker to ensure you enroll into the correct plan.
The biggest change as a result of the ACA came about in 2014 when the state and federal marketplaces (Exchanges) opened up for business. These marketplaces are designed to provide health insurance for individuals who are not covered by an employer-sponsored health insurance policy, by Medicaid, or by a Medicare plan.
If you do not qualify for an Advanced Premium Tax Credit (APTC) because your income is too high, or you are eligible for other coverage from a job, Medicaid, or Medicare, then you can purchase coverage directly from a carrier. It is important to note that the plans available on the Exchange are the same ones available off the Exchange.
We are contracted with and can help you with all of the carriers that are available within the Individual Health Insurance marketplace.
Your Health Idaho
Individual Health Insurance
Individual Health Insurance
Idaho chose to create its own State Exchange called Your Health Idaho (YHI) YHI is an online price comparison website where consumers can shop and purchase a qualified health plan (QHP) and determine their eligibility for an Advanced Premium Tax Credit (APTC) and subsidy.
An Advanced Premium Tax Credit (APTC) is a tax credit, you receive in advance to help pay for your health insurance premiums. APTC is calculated by your household size and household income. For example, a household size of 4, with a modified adjusted gross income in 2025 of $100,000 could qualify for a $1,593 APTC every month. When you file your taxes, the IRS will reconcile with you regarding this tax credit amount. If you received an APTC for the previous year that was too high, you will owe in taxes when you file, and in order to receive the APTC, you have to enroll through Your Health Idaho.
We are a Certified Your Health Idaho Consumer Connector for all of Idaho and we can ensure you enroll into a plan that is best for you.
A Few Noteworthy Changes
Individual Health Insurance
A Few Noteworthy Changes
The preexisting condition clause has been removed. As of 2014, no person can be charged more or dropped from coverage due to a preexisting condition. You also cannot be charged more because of your health status.
The lifetime and unreasonable annual limits on benefits have been eliminated.
Essential health benefits must be included in all new health insurance plans.
Required coverage of preventive services and immunizations on all health insurance plans beginning after 2014, and all non-grandfathered health plans will have to provide many A and B rated preventive services at no out-of-pocket cost.
Dependents can stay on their parent’s plan until they are age 26.
Health Direct Enroll (Off Exchange Enrollment)
Please Download and Complete the "Fillable" PDF Application. Once complete, please scan and email a copy back to: keith@onpointmgmtllc.com.
Dental and Vision Direct Enroll (Off Exchange Enrollment)
Our Trusted Individual Health, Dental, and Vision Partners
We are a Broker, meaning we work with many carriers
How we find Individual Health Coverage to fit your needs
We will discuss what is most important to you and what type of coverage you need. Then we will compare the plans to find the right one for YOU.
We partner with many carriers, but we work for YOU not the insurance companies. We will help you find the plan that is right for YOU.
We will cover what the plans cover and what they don’t so you are never surprised by an unexpected bill.
Don’t get stuck with limited coverage at the time you need it most. We will help you understand exactly what you are covered for.
You can’t only be thinking about doctors visits – we will walk through your options for additional coverage so you don’t have to.
We all know paperwork is the worst part of all of this, that’s why we make sure you do as little as possible and ensure it’s all correct.