Jill van Oss Insurance Agent

InPocket is secondary insurance that works alongside ACA Major Medical plans. InPocket gives you and your family added protection from high deductible ACA plans. Contact me today to learn more.

If you are self-employed, a part-time employee, or recently left a job - let's talk. You don't have to navigate the confusing ACA health insurance Marketplace on your own. As a certified ACA broker, I can walk you through the sign up and help you find the best plan for your needs.

The "family glitch" under ACA meant that individuals didn't generally qualify for Marketplace premium tax credits if they had "affordable" job-based coverage. An employer plan was not considered affordable if an employee paid more that 9.5% of household income toward premiums. However, the calculation for affordability did not include the family premium, only the employee's premium.

For 2024, if your paying more than 8.39% of your income for insurance, you can get ACA coverage with premium tax credits. If the employee pays less, they can stay on their employers plan and the rest of the family can move to the ACA Marketplace health insurance and receive the premium tax credit.

Call or schedule time to talk over your options.

I can help (for free)! Message me today for an appointment.

Do you or your family need to explore 🔎:

▶️ Life insurance

▶️ Final expense insurance

▶️ Health insurance

▶️ Supplemental Insurance to help reduce your out-of-pocket high deductible health insurance plan

▶️ Dental insurance

▶️ Vision insurance

Message me today for help. We can set up a time to go through your questions and as always, my services are free!

Getting to help people every day is an incredible honor! It is what I love most about being an independent insurance agent. I am happy to answer each and every call. 🎆

➡️ When someone thinks they might need final expense insurance, I can walk them through the pros and cons, and provide a no obligation quote.

➡️ When someone has lost their job and needs help, I can point them in the right direction to get health insurance coverage.

➡️ When someone doesn’t understand what a deductible is vs the max-out of-pocket on a health insurance plan, I’m happy to explain it.

Everyday I get to talk to wonderful people who just need a hand protecting themselves and their family.

Get FREE help with your health insurance, no strings attached! Open enrollment for the ACA Marketplace has started.

Need to:
1. Pick a new plan?
2. See if there are better plans available this year?
3. Enroll for the first time?

Message me to schedule a time to chat.

When I help you select a health insurance plan from the ACA Marketplace, we look at which plans will best protect you and your family and which ones meet 𝘆𝗼𝘂𝗿 𝗻𝗲𝗲𝗱𝘀 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀. My goal is to help you avoid medical debt while keeping your health insurance affordable!

When a client tells me, “I don’t want to pay a lot every month, I’m healthy.” Great, we’ll look at the high deductible plans available in your area. If you qualify for a healthy subsidy, I’ll be looking to see if you can get a very low cost Silver Plan.

With a high deductible plans, I will show you some ways to protect yourself should you have an accident, be hospitalized, etc.

While I will show you options, I will not pressure you to choose anything. I will educate you on your options so you can make the best decision for you!

Let me help you navigate the complex health insurance Marketplace and help you understand what will best meet your needs.

As always, 𝗺𝘆 𝗵𝗲𝗹𝗽 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴.

I wrote a final expense policy for a woman a few months ago. The insurer would not cover her on the plan we applied for because of one drug she had taken in the past that came up on her prescription check.

The insurer offered her a policy that was $30 more per month. 😲 She told me to forget it. She couldn’t afford it.

I reminded her that because I am an independent agent, I work with a number of insurers, and we should look at a different insurer.

The good news is that we found her an 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗽𝗼𝗹𝗶𝗰𝘆 with a different insurer. 😀 She has 𝑝𝑖𝑒𝑐𝑒 𝑜𝑓 𝑚𝑖𝑛𝑑 knowing that her family will not have to come up with the funds to pay her final expenses.