Preparing for your Appointment
What to bring to your appointment with Tomlin Health Insurance
We look forward to seeing you regarding health insurance! In the meantime, please prepare some information for us so that we can help you find the perfect plan for you and your household. Please see the information below for details:
Individual & Family Health Insurance
Most folks are seeking a full, comprehensive major medical plan. We help you purchase these plans either with a tax credit through healthcare.gov, or without a tax credit outside healthcare.gov. Think of this tax credit as a discount off the regular monthly premium. Eligibility for a tax credit is based upon household size and the combined income of all household members. Household is defined as ‘who is on this year’s Federal tax return’. Income limits to qualify for tax credits for various-sized households can be found in the ACA Income Table. What type of income is countable is found on the MAGI for ACA (PDF). We don’t expect you to be experts after reviewing these pages. This information simply gives you an opportunity to prepare.
Please click the button to sign this consent form and Notice of Privacy Practices document. We are required to have your written consent in order to see and enter your personal data, and to provide the Notice of Privacy Practices to you annually. The income box on the right is completely optional and will normally be completed by your agent during your appointment.
What else will you need for your appointment?
For all people who are shown on your Federal tax return, please bring:
- social security number(s)
- date(s) of birth
- income amount(s)
Please jot down any questions that you have, or give us a call before your appointment.
If you are a person who likes details, keep reading!
In past years we’ve used healthcare.gov to shop and enroll. Most of you are accustomed to this. Going forward we will use HealthSherpa, a system that offers a much simpler process for enrollment: the questions are simpler and you don’t need to create an account. HealthSherpa will calculate your tax credit based on estimated income for those of you who qualify. It also allows you to enroll. It even pulls your prior healthcare.gov application in so all you need to do is update your old information.
If you make too much money to qualify for a tax credit, HealthSherpa is still a good shopping tool. It enables you to compare plans and rates, but you won’t want to use it to enroll. Go to your agent’s link below to enroll.
Availability of tax credits are based on income and availability of employer-based health insurance. For example, if you are a single-person household (as defined by not having anyone else on your Federal tax return), then the upper income limit to get a tax credit is about $49,000. You can test this by entering various incomes on HealthSherpa. For income limits for other household sizes, check the ACA Income Table.