Tag: Brokers

What About the ACA Penalty?

What is the Penalty? People are very concerned about the Affordable Care Act penalty if they do not have what is called “Minimum Essential Coverage.” First, what exactly does “Minimum Essential Coverage” mean? Minimum Essential Coverage (MEC) is any plan that falls into several categories. Below are a few types of plans, a full list can be found at www.healthcare.gov Any job-based plan including retiree plans Medicare Part A or Part C (does not include

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Why should I use an agent to shop for insurance?

In the age of the internet anyone can go and buy an insurance plan without speaking to an agent or a broker but is this really a good idea? Insurance is complicated and without proper training it is virtually impossible to understand all of the policies and how they work. An agent helps you understand exactly what you are getting with a policy and how it works as well as any exclusions. With the uncertainty

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