We are entering year eight of the Affordable Care Act and we, as the State of Iowa, are faced with fewer choices and higher premiums than ever before.

Under 65 Years Old

If you are under 65 years old and have an individual policy, you could be in two positions. You could have a pre-ACA

plan or you could have a plan that was placed after the law was enacted in 2010. If you have an individual pre-ACA

plan, I encourage you to keep your plan in place. If this is your situation, your policy was written with underwriting

considerations and was priced accurately. This is not the case currently. If your policy is an ACA policy written January 2014 going forward, you received a letter months ago informing you that your coverage was ending December 31st. You still have choices. They may be limited, as Iowa only has one company offering individual plans for 2018. Business owners can certainly attract and retain quality employees by offering benefit packages for health, dental, disability and life insurance. You may own a business and have no other employees and meet the eligibility guidelines as a small group and remove yourself from the individual market completely. We are here to help you, please give us a call.

Over 65 Years Old

If you are 65 and older you undoubtedly have Medicare Part A (hospital) coverage. You may still be on an

employer group plan either as an employee or the spouse of an employee. If this is the case and you also have an