Health Insurance

Health Insurance

Whether you are self-employed, a business providing benefits to employees or an early retiree looking for comprehensive coverage…

The Legacy Group is here to help you find and design a medical plan to fit your budget and needs. We work with nationally recognized health insurance companies to offer both traditional health plans as well as Health Savings Accounts (HSA). So whether you are a business owner looking for affordable health insurance or an individual who has retired early and is looking for comprehensive coverage, we are here to provide you with all the information you need to make the right decision for you, your family or your company.


Healthcare Reform (The Affordable Care Act – ACA)

Where to start…

We can help you answer this question. Let’s be honest, over the next few years the laws surrounding the Affordable Care Act will be changing as the coverage options fall into place. The Legacy Group, with over 25 years of Health insurance experience, will be following these changes carefully and providing up-to-date options. We will help you determine if you are eligible for a subsidy or tax credit and guide you to the best insurance health plan. The Legacy Group can provide the options to make the choice easy for you, your family or your business.

Beginning in October 2013, those under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can, apply for a tax credit subsidy available through the exchanges. Follow this link to the subsidy calculator to better understand your subsidy amount http://healthreform.kff.org/subsidycalculator.aspx. We can help you calculate your subsidy and select a health insurance policy to fit your needs.

Subsidy Calculator

Traditional Health Plans

Traditional health insurance is generally the most common type of health plan. Traditional plans are often, (but not always), subject to deductibles and co-insurance as a way of “cost sharing” until you reach an out of pocket maximum at which point, you are covered at 100%.


Health Savings Accounts (HSA)

HSA is an acronym for Health Savings Account. An HSA is a savings account set up to be used for qualifies expenses. Funds directed to the HSA are pretax dollars, thus reducing taxable income, and HSA’s offer interest on the balance. The HSA can be used for insurance deductibles, optical expenses, dental bills, and some other qualified expenses (see http://www.irs.gov/publications/p502/ for a full up-to-date list of qualified expenses). HSA’s can be very efficiently used in conjunction with a qualified high deductible health insurance policy. Any amount remaining in an HSA at the end of the year is not forfeited but remains in the account for later use.


Businesses Group Health Benefits

Never enough time in the day…

Why spend your valuable time searching and analyzing insurance quotes when The Legacy Group can do it for you? With our guidance and expert advice, you can pick from the best options for your business situation. We offer traditional health plans such as HMO’s and PPO’s, as well as Health Savings Accounts.

Looking to offer a full benefits package?

Dental, Vision, Life and Disability insurance coverage(s) are perceived as “added bonuses” if a company chooses to offer these benefits to their employees. No matter what size and type of business you are running, The Legacy Group can help assess your situation and create new strategies to fit your budget and employee needs.


Self-Employed Health Insurance

So you’ve got that entrepreneurial spirit…

While running a business, you don’t have a lot of time to figure-out what to do about health insurance. Whether you are a self-employed person, freelancer, contractor, sole proprietor, or a growing company you have two categories of insurance to consider: group health insurance and individual health insurance. The guidelines for each differ and we will assist you in looking into both options to see where the best fit is for you.


Early Retiree Health Insurance

It’s time to live the good life…

Retiring early is the American Dream, let us help you to realize that dream by reviewing your options for affordable health insurance. We will make sure that we present you with the best options available to bridge the gap between retiring early and age 65 when you become eligible for Medicare.


After Group or COBRA Benefits

It’s not the end of the road…

If you have recently been downsized, reorganized or if you have chosen to leave your position voluntarily, we can assist you in finding a healthcare plan to meet your needs. While COBRA coverage is a good option to have, it can be pricey to maintain. If you are currently on COBRA, there may be a more affordable choice. Chances are you can save on the premium and we can help you with a custom design to meet your needs.


Medicare Services

Need guidance through the Medicare maze…

The Legacy Group is continuously striving to stay on top of the ever changing world of Medicare to provide our clients with the newest information and options available. We assist seniors and Medicare-eligible individuals with ways to navigate all their options and find the plan that is right for them.

Medicare Services