Individual/Family Health Plans
MDIS offers individuals and their families a variety of individual health plan options, including standard PPO plans and Health Savings Accounts (HSA) plans, both on and off the exchange. MDIS works with several health insurance carriers to offer affordable solutions for your insurance needs. Plans offer a variety of options, such as deductibles, co-insurance, and prescription drug coverage. Due to the passage of the Affordable Care Act, major medical plans no longer put limitations on benefits due to medical underwriting.
The Affordable Care Act enacted limitations to when an individual can purchase major medical coverage. Open enrollment begins November 1 every year, for coverage effective January 1. Unless you have a qualified event (Special enrollment periods), you will not be eligible to purchase coverage outside of open enrollment. *Short term plans are available for purchase throughout the year.
Special enrollment periods allow individuals the option to purchase health insurance coverage outside open enrollment. Most qualified events trigger a 60 day window of opportunity to purchase a policy. Most events will have an effective date of first day of the month following receipt of application by the carrier. It is crucial to apply as soon as an individual receives notification of the impending event. (Exception is birth or adoption of a child, which would be date of event.)
Exchange Plans and Subsidies
In 2020, an individual earning $17,236 - $49,960 annually may receive a premium tax credit or subsidy. The subsidies are on a sliding scale; the lower the income, the higher the subsidy. Missouri did not expand Medicaid, and as a result, individuals earning $12,490 - $17,235 annually are not eligible for subsidies nor Medicaid. Silver plans have additional cost-sharing benefits with a reduction in out of pocket expenses. If an individual does not qualify for a subsidy through the exchange, there is no incentive to purchase a policy through the exchange and be limited on plans, carriers and networks. MDIS can help you with eligibility determination and enrolling through the exchange.If you have access to employer sponsored coverage that is deemed affordable and provides minimum value, you may not qualify for a subsidy through the exchange.
Off Exchange Plans
Off exchange plans for higher income wage earners have greater access to carriers and plans with broader networks. Plan designs in the exchange are sometimes much different than plans outside of the exchange. Many times, exchange plans have a more limited network, with the exclusion of expensive hospital systems such as Barnes-Jewish and Washington University hospitals.
No Obligation Quote
Quote with some of our carriers
Click on the carrier below to quote yourself/family, input your data requested and see what options are available to you in your area.
For more information regarding the quotes, email Christy Diehl or call 800-944-7550.