Tim Knapp Health Insurance Agent

11/01/2024

OPEN ENROLLMENT 2024:

With the September 1st changes to the Private Health Insurance Market by the current Administration, Health Insurance Agents will be a bit more desperate for your business this year.

ACA, Federal Marketplace, Obamacare... however you know it, is and will be the only legit long term option for Health Insurance outside of an Employee offered plan.

This year Health Insurance Agents will try to get you to qualify for tax subsidies without asking real questions on how you would qualify for them.

Do your own due diligence here as tax subsidies are very dangerous and need to be understood. Or you can possibly owe them back at tax season. A lot of times we are talking tens of thousands of dollars.

Some do qualify and honestly the market has improved since Obama first installed it.

Health insurance agents are taught to give you a large subsidy and then add on a bunch of ancillary products to make up for the massive subsidy.

Watch for these signs.

I personally do not buy leads or look to add new customers. My reason is I have a very loyal customer base that trusts me. I am a very straight shooter and my customers know I have only their best interest in mind.

I have other side ventures so that I am not solely reliant on Health Insurance Income. Therefore, I have no reason to write any policy I don't feel is helpful.

Most are not in this spot and will be desperate to write your plan for you.

Feel free to reach out to me with questions, there's a good chance our conversation will end with just advice.

Be safe this season!

Cheers

04/10/2024

Please like and share, maybe someone you know needs to see this.

If you are on Private Insurance, take this very seriously! 🧐

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As of September 1, “Issuers” (individual insurance companies) are limited to offering 3 months of short-term medical coverage with a 1-month extension to any consumer within a 12-month period.

This means you need to sign up for a long duration Private plan before 08/01/24.

This is sending us back to the pre Trump era of Health Insurance where we are basically being forced into the Federal Marketplace or just being uninsured altogether.

Get ahead of this!!

If you have questions or need an advisor, please reach out.

On March 28, 2024, the Departments of Health and Human Services (HHS), Labor, and the Treasury (collectively, the Departments) released final rules regarding short-term, limited-duration insurance (STLDI) and independent, noncoordinated excepted benefits coverage.

12/15/2023

Today is the last day for Federal Marketplace Open Enrollment Health Insurance.

Make sure you submit your applications.

Reach out if you need help.

Here is a link to quote and enroll yourself.
https://www.healthsherpa.com/?_agent_id=timothy-knapp

Cheers!

11/27/2023

As long as the snow stays up there, fine by me! 🫡

11/14/2023

Want to see some Private Health Insurance options without the annoying calls and emails??

Here is a link for Allstate. No-one will see this information besides me and I am not reaching out unless asked to.

https://customer.enroll.natgenhealth.com/quick-quote/?agent=CfDJ8BPm9XrOCCRPg8liDC2ahBhUnCFaVaPuQnLdc0OFGFVYvS-Ww1XhxON0iEgbXrpceIPOH60AXpvF2eT_h9_7nseyNw&product=all-products&fbclid=IwAR1bJEXcEDTSPCkuugNoI8LW2yTm9w9YRL0QuXcyB9H153MW14sWGvtS_r8

Important to know all your options.

Reach out for other types of safe links.

11/08/2023

https://www.healthcaredive.com/news/biden-short-term-rule-uninsurance-rate/687016/

Read and understand this.

If you have questions, ask me!

This will have a large impact on Private Health Insurance and will cause many to decide to go uninsured next year.

Use an Independent Broker to understand your options. If you need one, reach out!

Free-market advocates argue proposed restrictions on short-term plans will leave consumers without coverage. Health policy researchers aren’t so sure.

10/31/2023

Happy Halloween.

ACA Marketplace Open Enrollment starts tomorrow.

Here is a link to quote yourself to see available options without your information being sold or harassing phone calls.

https://www.healthsherpa.com/?_agent_id=timothy-knapp

You can see all options available and enroll if you'd like.

Please like and share!!

09/21/2023

The weekly market commentary is now live on our website! Read the latest insights: https://hubs.la/Q01-Z9gY0

07/10/2023

PLEASE READ AND SHARE THIS!

This is big news. I do believe that the proposed rule change means a loss of consumer choice. This will limit Private Insurance back to 3 months instead of a year or in some states, 3 years.

If you are currently on Private Insurance, please look to enroll in a 3 year Plan before the end of the year or you will lose your coverage and struggle to afford the ACA Options.

If you are a current customer of mine, I will stress this at renewal with you this year.

Stay informed, use an Independent Agent!

Democrats have long wanted Biden to go after “junk insurance.”

03/17/2023

Big changes may be coming to Short Term Medical which may again start to force people on to the ACA or Obamacare as it was during the Obama presidency.

The initial expectation is this will again limit terms on Short Term Medical, maybe to as short as 30 to 90 days.

If you are currently on Short Term Medical, now may be a good time to consider a 3 year plan to ensure you can keep this coverage for the next few years.

Worth keeping an eye on.

Call/Text 📞 239-675-3283
Email 📨 [email protected]
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01/19/2023

Check out our online store, offers welcomed!

Search “mmShellzz picks” on eBay, Mercari and Poshmark!

01/19/2023

When it comes to in , you're not alone! Contact me today for all of your real estate needs. 🏠🌴

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Jerry Mikulanec - REALTOR®
JerrySellsSWFL.com | 262-909-7935