How to Insurance: Helping you understand insurance. Building confidence for your future.
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How to submit "Proof of Income" for Health Insurance. This is a very good and important question. Your estimated annual (and monthly) income direct effect the advanced premium tax credits you receive. If your income is higher, you will get fewer tax credits and your premium is higher. If your reported income is lower, then you get more tax credits and your premium goes down. Peter D Johnsen explains in 3 easy steps!
Read MoreToday, we are discussing… How To Get Health Insurance Mid-Year (SEP)
Health insurance is one of the most important ways to protect your family medically and financially. However, it’s super common nowadays to NOT get your health insurance through an employer, but rather to get it as an individual or family. When you find yourself in a time of transition from your job, whether you lost your job or left to start your own business, getting new health insurance can be a top concern! Let Peter D Johnsen show you how!
Read MoreCongratulations! You’ve just enrolled in a new health insurance plan! Now what?!? Will someone contact you? Do you need to register somewhere? How do you find a doctor and make an appointment? What if there is an emergency? All of these great questions and more will be answered here!
Read MoreOn March 11, President Biden signed the American Rescue Plan with immediate impacts on Marketplace. Most individuals will be getting $1,400… but there is more! The question we’re asking today is: How the American Rescue Plan Saves You Money on your Health Insurance. Peter D Johnsen, your insurance broker, breaks it down for you here.
Read MoreDid you get your Stimulus check? I sure hope so! But is the money taxable? The reason you’re asking this is… you know that your health insurance premiums and the advanced tax credits/subsidy you receive are based on your taxable income. Peter D Johnsen explains how your stimulus check affects your health insurance premiums.
Read MoreCongratulations! You are enrolled in a new healthcare plan. You did all the hard work of working with your broker to apply, compare, and enroll in a health insurance plan to protect your medical needs and financial liabilities! So now what?!? Peter D Johnsen explains what to do, now that you have health insurance.
Read MoreOnce you have your health insurance, the next step is Dental and Vision Insurance. It only takes one major dental emergency to drain your savings. So, it's wise to have a plan to care for your teeth (and eyes) and protect your finances! Today, Peter D Johnsen is talking about: 3 Reasons You Need a Dental and Vision Plan
Read MoreHave you ever tried to read your health insurance summary of benefits? It can be very overwhelming and a little complicated. So, let Peter D Johnsen break it down for you and point out the most important parts that most people are concerned about.
Read MoreThis Election Season has been crazy! You’ve probably heard lots of talk about the Affordable Care Act (or Obamacare). Some people love it. Some hate it. Some want to “repeal and replace it”. Some just don’t know what it actually is...but only what their political party thinks about it. As a professional, Peter D Johnsen deals with the Affordable Care Act every day… let him break it down and give you a very practical view of what it actually does (void of any political commentary)
Read MoreWhy would I think about taxes in the middle of the year? (In the Summer, really!?!) If you don’t think about it… you may have to pay back hundreds or thousands of dollars in taxes next year! Peter D Johnsen has received calls from clients who have a HUGE tax bill and it could have been avoided by doing this one thing!
Read MoreOur lives are so busy. We have so many details to keep track of! How do you stay organized? Insurance… is not a top priority for most people. (and I understand that!) Remembering your effective dates, premium rates, coverage limits and benefits is hard to keep track of! So what is the Easiest Way to Check on Your Insurance?
Read MoreIf someone is injured on your property and needs medical attention… only $1000 on your homeowner’s insurance is way too little! Medical bills are expensive. Going to the Emergency Room, getting surgery, getting prescription drugs and following up with physical therapy is not a little expense. It’s far more than $1,000.
Read MoreI always recommend my clients to have access to roadside assistance.
You want to be able to call a professional to help you if you:
Run out of gas
Get a flat tire
Need to jump your battery
Lock your keys in your car
However, I’ve noticed that some people are paying way too much for the same access to roadside assistance…
Read MoreI was on the phone with a client and she said: “I don’t think I’m healthy enough to qualify for health insurance”? I totally understand the concern… but quickly gave the good news! Yes, you qualify for health insurance! Everyone qualifies for health insurance! Read more hear about the Affordable Care Act (or Obama Care)…
Read MoreIs Your Health Insurance Too Expensive? We are a couple of months into the new year and your health insurance for 2020… and those high insurance premiums might be starting to bother you! Is there another way, you ask? Can my health needs to covered without literally charging me an arm and a leg?!?
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