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HEALTH INSURANCE

We wish health insurance headaches could be cured with a pill.

Since they can't, we're here to help answer your health insurance questions and find the coverage you need at a price you can afford.

Health

Intro to the Affordable Care Act

The Affordable Care Act has sparked countless questions about the future of healthcare.

And that’s nothing new – the costs of healthcare and health insurance have been big concerns for decades. While it’s pretty common for medium to large employers to offer health insurance coverage to their employees, if you're self-employed, work part-time or work for a small business, you may be on your own. Not anymore. We can help.

The ACA and You

Health insurance reform means that you are guaranteed coverage regardless of your medical history.  

 

Selecting the Right Plan

The most important factors remain the network, premiums, deductibles and co-payments.

 

Where You Purchase Matters

Knowing if you should purchase on or off the exchange is the only way to ensure you benefit from available subsidies and cost sharing.

When You Purchase Matters

You have a window each year during open enrollment to review and purchase coverage. Changes outside this time may require a Special Enrollment Period.

How do I know if I'm eligible for a subsidy?

Visit HealthCare.gov* during an open or valid special enrollment to determine if you are eligible for a subsidy and the amount of the assistance you'll receive.

This chart can help you figure out where you stand based on your family size and income.

If a family's Adjusted Gross Income (AGI) is BELOW the amount listed based on their family size at the 400% level, they will qualify for assistance, and likely should apply on-exchange.

If a family's AGI is ABOVE the amount listed, they will not qualify for assistance, and therefore want to apply off-exchange.

Household Size *400%
1 $48,560
2 $65,840
3 $83,120
4 $100,400
5 $117,680

* Amounts shown in chart are 400% of the federal poverty level

Additional Resources

You want to understand what the Affordable Care Act means to you. We want to help.

Want to get started? Visit HealthCare.gov.

Questions about the Illinois Farm Bureau and ACA? Check out the Illinois Farm Bureau resource page.

Questions related to your small business? Download this ACA chekcup.

General questions? Our FAQ page can help.

Get Started

The Open Enrollment to purchase health insurance both on and off the exchange ended December 15, 2018. To obtain coverage starting in 2019, the next proposed open enrollment period will begin November 1, 2019 - December 15, 2019.

You may qualify for a Special Enrollment Period outside of open enrollment if you qualify through certain events.

Confused about your options? Let COUNTRY Financial help you make an informed decision.

Select a path below to begin:

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Individual health insurance policies are purchased through CC Services, Inc., from a third-party insurer not affiliated with COUNTRY Financial and are not available in all states. For more information about CC Services, Inc., read the License and Name Information in our full Terms & Conditions.

COUNTRY Financial affiliated companies and our representatives cannot give legal or tax advice. Any information provided reflects our understanding of current laws which are subject to change and reinterpretation. Please contact legal and tax counsel of your choice regarding your personal circumstances. This interactive tool provides general information based upon user inputs and is for informational purposes only. Eligibility for any programs, coverages or tax incentives referred in this tool is based upon numerous factors and nothing in this tool is an offer or guarantee of coverage.