Benefits Group or Individual Plan Quotes

Great Benefits and Flexible Rates! Choose from a variety of products and plans for Small Groups, Medicare for Individuals, .

Small Group plan options include:

  • Health
  • Pharmacy
  • Dental
  • Vision
  • Life and Disability Insurance Plans
  • Financial Products

Medicare Individual

Great Benefits and Flexible Rates! Choose from a variety of products and plans for Small Groups, Individuals Medicare Eligbile, Individual coverage Non-Medicare, and MEC Plans. 

Small Group Coverage includes:

  • Medicare Advantage – Individual Health and Rx
  • Medicare Advantage – Group (EGWP) Health and Rx
  • Medicare Supplement – Individual
  • Medicare Supplement – Group
  • Dental

Non-Medicare Individual

Great benefits and flexible rates! Choose from a variety of non-Medicare products and plans for individuals of any age.

  • Health
  • Dental
  • Life
  • Financial Products
  • Life and Disability Insurance Plans
  • Travel Insurance
  • International coverage [individuals that live in one country and work in another – social security number is NOT needed].

Allure through a trusted carriers provides comprehensive benefits administration you and your company can trust. Our team has a well-deserved reputation for providing smart, sensible and cost-effective solutions for our clients. IHBA’s experts developed a cost-conscious minimum essential coverage (MEC) plan that offers both employers and employees an affordable option to help eliminate penalties:

 The Employer Mandate (Penalty A)
Employers must offer at least Minimum Essential Coverage (MEC) to any benefit eligible employee. Non-compliance will generally result in a penalty of $2,320.00 PER eligible employee.

 The Employer Mandate (Penalty B)
Employers must offer a minimum value plan that meets 60% actuarial value including hospitalization services. The MVP Plan must be offered at a maximum contribution of 9.56% of the employee’s income – YOU pay the difference.  Ex: CA Minimum Wage Employee – A $10.00/hour employee working a minimum 30 hours per week has a maximum employee contribution of $124.28 per month. If the plan cost is $300 – YOU pay the difference of $175.72 per month. Non-Compliance will generally result in a $3,480.00 penalty PER employee whom enrolls in coverage through the state exchange AND receives a premium subsidy.

The Individual Mandate
An individual who does not have at least minimum essential coverage (MEC) will incur a penalty of $695 per individual (up to a maximum of $2,085 per household) or 2.5% of household income, less the taxpayer’s filing threshold amount.

Bids & Quotes are rapid and underwriting (when/if needed) usually is provided by the carriers within a 30-45 day period!

Please email to get a head start today!