Your Health Insurance Team

Meet Andrew
Andrew Kaiser
Director of Health & Benefits
Meet Lori
Lori Alala
Health & Benefits Consultant
Meet Jerrica
Jerrica Starnes
Health & Benefits Consultant
Meet Megan
Megan Johnson
Health & Benefits Consultant

Understanding Your Options with Marketplace Health Insurance

With the Affordable Care Act of 2014, everyone in the United States is required to have healthcare coverage for themselves and their family members. You may have questions about Open Enrollment for 2018, including your responsibility, available coverage, cost, or enrollment. We offer free consultation to answer your questions and to help you enroll for the insurance coverage you need.

The first thing you need to know about individual healthcare is that Open Enrollment occurs once a year from November 1st through December 15th for January plans (unless you have a qualifying event called a Special Enrollment Period).

If you already have insurance through the Health Insurance Marketplace (, you will be required to recertify your income during this enrollment period to establish your subsidy for 2018.

If you are under 65 and do not get health insurance during these times (and you are not participating in an employer’s medical plan), there is a government penalty. The penalty for 2017 was 2.5% of household income, or $695 per adult*(adjusted for inflation), whichever was the greater amount.

Read more about Marketplace Enrollment

Health and Benefits Department a division of

How We Can Help You

We offer free individual health consultation for you during enrollment. Whether you are changing a Blue Cross plan or are coming to the Marketplace for the first time, we can provide you practical options and help you decide which is best for your financial and medical needs.

We can often help you discover a more affordable health plan for your needs, whether it is knowing which plan can work for you or determining whether you qualify for a subsidy or a cost-sharing reduction.

Make an Appointment

If you would like to set up an appointment to meet with a Licensed Health Insurance Agent in the office, please set up an appointment with us on our calendar below. We are happy to help you through the process!

Things to Know About Your Appointment

To obtain health insurance with Blue Cross and Blue Shield through the Marketplace, there are some documents you will need to complete your enrollment.

What Do I Need to Bring?

With this knowledge in mind, let us help you get ready, get set, and go forward with your health insurance for the coming year!

Email or call a Health Insurance Agent at (828) 328-5671 to learn how we can help you manage your Health Insurance needs.