HR Admin & Compliance
Simplify HR administration, onboarding, ACA compliance, PTO tracking.
Individual & Family Health Insurance
The health insurance landscape has undergone considerable transformation since the Affordable Care Act. You have never had so many benefits as an individual looking for a health insurance plan. Find a health insurance agency with an agent in your area who can help you navigate and discover all of the benefits of new health plans.
A good insurance agent will find out if you qualify for premium discounts and help you get them if you do qualify. A health insurance agent will also walk you through your healthcare coverage options because they can be confusing. You will need to assess your healthcare needs, review the options, crunch the numbers and choose the plan that makes the most sense for your finances and your health.
Healthcare Insurance Plan Types
There are four categories of healthcare plans.
- 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.
Marketplace Insurance Plans Vs Insurance Company Plans
Marketplace healthcare plans are offered by the state. If you go to the Federal Government healthcare site, healthcare.gov, you can find a link to your state’s website. Washington State’s healthcare website is https://www.wahealthplanfinder.org. To get a marketplace health insurance plan you will need to purchase over the phone, through paper applications, or online. Some states also hold enrollment fairs.
Health insurance companies are now mandated by the Affordable Care Act to offer a minimum amount of coverage. However, insurers may offer plans at a lower price and/or with a wider network. If you purchase through an insurer, you cannot qualify for the premium discounts offered by plans purchased through the marketplace.
If you plan to purchase from the Washington State, or any state, marketplace, then there is a list of things that you will need readily available. Get a comprehensive checklist for preparing to enroll in marketplace health insurance.
Call One Of Our Expert Health Insurance Brokers For Help Today
Employer Group Benefits We Offer
Help your employees and staff protect themselves from financial crisis. Protecting employees and their families creates a better company culture, improves your image with your team, and make people feel safe.
Call One Of Our Expert Employee Benefits Producers For Help Today
Medicare Brokers in Sedro Woolley
Getting started with Medicare coverage can be a tricky and long process if you don’t know where to start. Choosing between Part A, Part B, Part C, and Part D can seem daunting. We will give you all of the Medicare and Medicare answers that you need whether you hire us or not. Get your Medicare insurance plan to cover your hospital bills, medical bills, prescription payments, and supplemental benefits.
Call One Of Our Expert Medicare Supplement Plan Advisors For Help Today
Our Insurance Carriers
You will have access to 20+ insurance carriers ensuring that you get the health insurance plan and coverage for you, your family, and/or your employees.
HR Services We Offer
Simplify Human Resources administration tasks with the HR tools provided by McGregor Benefits. Simplify employee on-boarding, ACA compliance, PTO tracking, and more.
Simplifying HR Administration
McGregor Benefits’ utilizes the latest and most useful tools to solve your Human Resource stress. From simple on-boarding of new hires, to benefit administration, ACA compliance, PTO tracking, and more. Finally, you can get the best of both worlds; personalized service and state of the art technology to help you manage your business.
Worried about your HR or benefit compliance? With McGregor Benefits you have access to up to the minute attorney-reviewed HR library, HR training videos, employment law alerts, and interactive HR tools including employee handbook builder.