Not sure if this is the right board but I need an individual health insurance policy, any recs ?

Obamacare may be your best bet, unfortunately.

Some churches have group plans if you are a church member somewhere.

This **** is ******ed honestly

go to kindhealth.co

it is an austin based company that specializes in the individual market. it is integrated with healthcare.gov and is really easy to use

Christian Healthcare Ministries
Medishare

Anything from obamacare website is trash. I tried multiple other brokers and has poor options. Ended up with Healthshare.

Honestly best option is to figure out how to hire at least one unrelated employee and get a small group plan. Individual policies have been complete garbage with awful limited network and ridiculous deductibles ever since Obamacare killed the individual policy market.

We have an LLC with husband and wife as the two members. No employees in the LLC. It qualifies for us to get a small group plan. Have BCBS PPO but damn it is expensive and it goes up every year.

Mas89 said:

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We have an LLC with husband and wife as the two members. No employees in the LLC. It qualifies for us to get a small group plan. Have BCBS PPO but damn it is expensive and it goes up every year.

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This is incorrect and has been since Obamacare. You need to revisit with your broker. Generally speaking a company must have at least one unrelated employee to qualify for a group plan.

We never had an issue getting a group plan when I worked with my dad.

Diggity said:

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We never had an issue getting a group plan when I worked with my dad.

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Just telling you what the IRS and all brokers I know are telling people. Now the definition of related might be important here. A husband and wife are not related in the same way a father and adult son are. If your father can't claim you as a dependent then the IRS sees you a two different entities and that might be the difference. In fact I recently had a broker tell me that I could create a group for my family if my daughter is on payroll and looks independent even though she's in college. That might be it.

I do know for certain if you Google husband and wife business health insurance group or something like that you'll get several articles talking about the fact that a husband and wife alone cannot form a group. That was effective Jan 1, 2014. There has to be an employee.

Call Landon at 979-906-8776 he will be able to work with you on an individual plan.

So wife and I are both members in the LLC. Wife and minor child are on one policy. I am on a separate policy. Same small group. Has been this way for 5 years or so with no problem. Tscra insurance services. About $100 per year membership fee.
Prior to this policy, we had been dropped at year end by several other policies post Obummer Care.
Luckily, we had the LLC already set up to own real estate investments.

Just got a two member LLC group policy with BCBS; myself and wife are LLC members.

Mas89 said:

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So wife and I are both members in the LLC. Wife and minor child are on one policy. I am on a separate policy. Same small group. Has been this way for 5 years or so with no problem. Tscra insurance services. About $100 per year membership fee.
Prior to this policy, we had been dropped at year end by several other policies post Obummer Care.
Luckily, we had the LLC already set up to own real estate investments.

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Doesn't sound like a small group if you're on two different policies. A group would have everyone in the company and might have different plans within that group. Right now I read this to mean you're on different individual policies and not in a group. I'm just saying with certainty that a husband and wife cannot form a small group unless they have other employees. If you're broker is telling you you're in a group you need to ask him specifically if you're allowed to do this because it's expressly not allowed.

2wealfth Man said:

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Just got a two member LLC group policy with BCBS; myself and wife are LLC members.

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Do you have employees? A family business can form a group but there has to be unrelated employees in the group. Those employees can turn down coverage leaving you and your wife as the only subscribers, that's OK. But you and your wife cannot be the only people in the group. If you have no employees ask your broker how they're doing this and if it's legal. I don't know a single broker that has said anything other than it's not allowed and I've asked several. I'd love to be wrong because it's a pain in my ass right now since my company is mine and my wife's employer with no unrelated employees. By the way my assumption on unrelated is that they aren't dependent on you. So when you file your tax return you aren't claiming them as a dependent.

Again I'd love to be wrong on this as it opens up opportunities I don't currently have so if you have something I don't please share.

I listed the insurance company's name. You should call them to ask. I am not an expert and it's been 5 or so years since it was set up. But I paid the May bill today and have never had any questions or problems since it was set up. I certainly don't want to complain.

I can help, feel free to reach out 979.219.0650

Mas89 said:

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I listed the insurance company's name. You should call them to ask. I am not an expert and it's been 5 or so years since it was set up. But I paid the May bill today and have never had any questions or problems since it was set up. I certainly don't want to complain.

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Why would I call them or anyone else? If you're breaking the law that's not my problem. You're broker created a problem for you. It's up to you to solve it. That's who needs to be called.

Not trying to be a Richard Cranium but that's a bizarre response. I have no vested interest in this getting resolved for you.

my family is on a medishare plan. we looked at a bunch of health insurance plans, and they are literally insanely expensive.

honeslty...health insurance was one of the reasons why I got out of the self employment game. It's a beat down.

If you have fewer than 50 employees you technically don't have to subsidize any of the premium. Some brokers and insurers still require a minimum subsidy but if they don't, it technically doesn't cost you anything to offer the insurance and the cost and coverage is better (though still expensive) compared to the essentially worthless individual policies that are all very limited HMOs. The level premium self insured policies are particularly interesting and cost efficient for a healthy workforce or family.

I've also heard great things about medishare but can't get myself comfortable with the actual risk of them not paying a super large claim one day. I'm sure it's below the bs from the insurance companies but have a personal mental roadblock!

LOYAL AG said:

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2wealfth Man said:

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Just got a two member LLC group policy with BCBS; myself and wife are LLC members.

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Do you have employees? A family business can form a group but there has to be unrelated employees in the group. Those employees can turn down coverage leaving you and your wife as the only subscribers, that's OK. But you and your wife cannot be the only people in the group. If you have no employees ask your broker how they're doing this and if it's legal. I don't know a single broker that has said anything other than it's not allowed and I've asked several. I'd love to be wrong because it's a pain in my ass right now since my company is mine and my wife's employer with no unrelated employees. By the way my assumption on unrelated is that they aren't dependent on you. So when you file your tax return you aren't claiming them as a dependent.

Again I'd love to be wrong on this as it opens up opportunities I don't currently have so if you have something I don't please share.

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no employees but husband and wife; provided BCBS with the membership agreement, consent decree naming member, entity registration form the Secretary of State and proof of income (K-1 for applying entity in this case)

https://insurance-forums.com/community/threads/husband-and-wife-2-man-group-texas-ppo-health-insurance.92099/

Careful with the share plans guys this kind of stuff happens all the time and a lot of times it takes share plans 6-10+ months to pay and by then most facilities will send you to collections. There are underwritten PPO plans with United that are available if you are "healthy" without major pre-existi g conditions that save you money on your premium and allow you to customize your plan

https://insurancenewsnet.com/innarticle/10k-families-left-with-50m-in-unpaid-bills-after-health-ministry-closes?fbclid=IwAR2wtGnnE35pWr4c5vX3s-MLs9-Af_bBsl_RDF1NklK_CK_39qRrgF3_B8s

2wealfth Man said:

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LOYAL AG said:

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2wealfth Man said:

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Just got a two member LLC group policy with BCBS; myself and wife are LLC members.

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Do you have employees? A family business can form a group but there has to be unrelated employees in the group. Those employees can turn down coverage leaving you and your wife as the only subscribers, that's OK. But you and your wife cannot be the only people in the group. If you have no employees ask your broker how they're doing this and if it's legal. I don't know a single broker that has said anything other than it's not allowed and I've asked several. I'd love to be wrong because it's a pain in my ass right now since my company is mine and my wife's employer with no unrelated employees. By the way my assumption on unrelated is that they aren't dependent on you. So when you file your tax return you aren't claiming them as a dependent.

Again I'd love to be wrong on this as it opens up opportunities I don't currently have so if you have something I don't please share.

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no employees but husband and wife; provided BCBS with the membership agreement, consent decree naming member, entity registration form the Secretary of State and proof of income (K-1 for applying entity in this case)

https://insurance-forums.com/community/threads/husband-and-wife-2-man-group-texas-ppo-health-insurance.92099/

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OK y'all win. I don't care enough to keep fighting about this. I don't know anyone that says it's legal but if you've got I'm happy for you. I'm gone completely away from the ACA plans for my family so I don't worry about those rules anymore at all. Just citing what I've been told by the brokers I know and what even two minutes on Google will tell you. If you've got a guy that has found a way around those rules so be it. I'm happy for you.

I recently left my day job and will be losing group insurance coverage. My family is my wife and I (in our late-30s) and 2 kids ages 8 and 10. We're all healthy without any pre-existing conditions. Our current policy is a high-deductible, HSA plan that we never meet any individual or group deductible on.

What's the best catastrophic coverage solution for my family? I'm happy to pay out of pocket for all normal treatment. I'm even good with a super high deductible (~$100,000) if such a plan exists. I really just want coverage in case one of us gets cancer, a brain tumor, or are involved in a bad accident that requires weeks in the hospital. Any plans for this type of coverage?

TxAg20 said:

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I recently left my day job and will be losing group insurance coverage. My family is my wife and I (in our late-30s) and 2 kids ages 8 and 10. We're all healthy without any pre-existing conditions. Our current policy is a high-deductible, HSA plan that we never meet any individual or group deductible on.

What's the best catastrophic coverage solution for my family? I'm happy to pay out of pocket for all normal treatment. I'm even good with a super high deductible (~$100,000) if such a plan exists. I really just want coverage in case one of us gets cancer, a brain tumor, or are involved in a bad accident that requires weeks in the hospital. Any plans for this type of coverage?

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I did UnitedHealthOne Tri Term. Basically protecting myself in case something catastrophic happens. ~$12K out of pocket per year. I am very healthy and am not on any prescriptions.

Thanks! I just signed up for the same, but $15,000 deductible. Do you find it better to just ask and pay cash price or submit insurance info?

Before y'all think, oh I'm healthy, my kids are healthy, let's just go for one of those plans on the cheap… my daughter is 18, and just had brain surgery for a giant aneurysm.
She is/was the picture of health.
Had I not had insurance or some cheap BS plan I would have been bankrupt (if the hospital would even admit her) the moment I walked through the doors.

Moral of the story, get the best insurance you can afford especially for your kids.

aggiepaintrain said:

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Before y'all think, oh I'm healthy, my kids are healthy, let's just go for one of those plans on the cheap… my daughter is 18, and just had brain surgery for a giant aneurysm.
She is/was the picture of health.
Had I not had insurance or some cheap BS plan I would have been bankrupt (if the hospital would even admit her) the moment I walked through the doors.

Moral of the story, get the best insurance you can afford especially for your kids.

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Glad you had insurance. It's easy to forget that things can change in an instant

Will be praying for her and your family

aggiepaintrain said:

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Before y'all think, oh I'm healthy, my kids are healthy, let's just go for one of those plans on the cheap… my daughter is 18, and just had brain surgery for a giant aneurysm.
She is/was the picture of health.
Had I not had insurance or some cheap BS plan I would have been bankrupt (if the hospital would even admit her) the moment I walked through the doors.

Moral of the story, get the best insurance you can afford especially for your kids.

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I'm sorry for your daughter's medical issue, but your daughter's case is the exact reason I'm buying any health insurance at all. In your case above, I would be out $25,000 per year in deductible and copay which is a risk I'm fully willing to take.