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 MoreThis November 1 - December 15 is the annual Open Enrollment Period for Health Insurance. So, what does that mean for you? Don’t miss it. It only happens once a year and if you’re not prepared… you have to wait another whole year! If you’re self-employed or just not offered a health plan with your job… ask Peter D Johnsen to help you get insured!
Read MoreIf you have a healthcare plan through your state’s healthcare exchange (WA Health Plan Finder or Covered CA or healthcare.gov)… this is for you! If you currently have an employer health plan but are interested in what happens if you lose that coverage… this is also for you! Peter D Johnsen will help you find the right healthcare plan for you.
Read MoreEmployer Healthcare, Original Medicare, Medicare Advantage, Medicare Supplements, Medigap, Part D Rx Plans… with so many options, it can be difficult to decide what’s best for you. However, if you’re 65 years or older, Peter D Johnsen will help you find the fantastic benefits available to you, including the option of a “Medi-Gap” or Medicare Supplement.
Read MoreEvery October and November you start seeing one million TV commercials about Medicare and getting more junk mail than can fit in your recycling can! So how do you make sense of all this? Peter D Johnse explains how medicare open enrollment affects you!
Read MoreYou pay into it your entire life and finally get to cash in on those benefits when you’re “Medicare Eligible” when you turn 65. So, if you’re 64 now and about to turn 65 years old… it’s time to learn the basics and be prepared to apply and enroll as soon as you can. Peter D Johnse let’s you know “What Every 64 Year Old Needs to Know About Medicare”.
Read MoreStarting, building, and running your own small business is hard! You’ve spent countless hours and nights doing all you can to make it succeed and the last thing you need is an extremely difficult process to get simple business insurance. It’s your business and you need to protect it! Today, Peter D Johnsen, will help you with: Quick & Simple Small Business Insurance Quotes.
Read MoreTravel and fun recreational activities closer to home are on the rise! Since the COVID-19 pandemic, many people are looking at ways to travel and enjoy a vacation, without getting on a plane or traveling internationally. So using an RV, boat or motorcycle to get out there… is a great option! Peter D Johnsen gives you 3 Tips for RV, Boat, and Motorcycle Insurance.
Read MoreI grew up in Yakima, WA on 2 acres with a barn and swimming pool and animals… and 3 golden retriever dogs! These were the family pets that we loved and spent all day with and would do anything and pay anything to keep them healthy! Pet’s are really a part of the family. Your pet’s “are” your family. Peter D Johnsen wants to make sure you have a plan to provide for their health!
Read MoreThe goal is to stay out of a nursing home or a state-funded facility. You also don’t want your family to be burdened with caring for you and paying for all your needs. This is where “Long Term Care” Insurance comes in to play. We all hope to get much older and enjoy our last years in the comfort of our own homes, yet most people don't have plan to pay for Long Term Care. Ask Peter D Johnsen or Dale Johnsen for more information!
Read MoreOne of the most exciting calls I can get is from a client that is now pregnant or just had a baby! (and I have several clients having babies right now!) But what questions about insurance come up when having a baby? We all want to protect the things that matter most to us - especially our children that we bring into this world. Peter D Johnsen has 3 strategies to implement in your insurance portfolio when you’re expecting a baby!
Read MoreToday, Peter D Johnsen is talking about... A Brief History of Shopping for Insurance
In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you.
Then, around ten years ago, nearly every insurance company started offering their product online… but that created some problems…
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