Fairhaven Health Insurance Broker

Individual & Family Health Insurance

Individual and family health insurance has changed a lot since the implementation of the Affordable Care Act. There are many benefits and tax incentives by purchasing health insurance in the marketplace known as the Washington Health Plan Finder. However, some medical insurance plans are more affordable and have other benefits that make going directly to a health insurance company more beneficial that purchasing straight from the WAHealthPlanFinder.

McGregor Benefits offers free help deciding which plan is best for you. If it’s best that you purchase a healthcare plan from the Washington State marketplace we will tell you that. If you would be better off purchasing through us or another provider, we will tell you that too.

Individual & Family Marketplace Health Insurance Coverage

There are four categories of healthcare plans on the Washington State Marketplace.

• Bronze: The insurer pays an average of 60 percent of your healthcare costs; you pay 40 percent.
• Silver: The insurer pays 70 percent; you pay 30 percent.
• Gold: The insurer pays 80 percent; you pay 20 percent.
• Platinum: The insurer pays 90 percent; you pay 10 percent.

These are general out-of-pocket medical expenses. There are variations of each type of plan, so no two Bronze plans will be the same, for example.

Group Insurance Plans for Companies

Help your employees and staff protect themselves from financial crisis and stay healthy. Protecting employees and their families creates a better company culture, improves your image with your team, and make people feel safe. Providing coverage is not as difficult as it used to be. We can help you put together a benefits package and insurance plan for employees in order to stay competitive in your market.