Health Insurance is more complicated than ever. Let Athens Insurance help ease the stress of purchasing an individual or family health policy. Athens Insurance can help with plans on the marketplace (healthcare.gov) or off the marketplace (direct with a carrier). Athens Insurance is marketplace and carrier certified and can ensure you find the plan that best meets your health insurance needs. Contact an Athens Insurance agent today to discuss your options.

What is a subsidy and can i qualify?

There are two kinds of subsidies: the Advanced Premium Tax Credit and Cost Sharing Reduction.The Advanced Premium Tax Credit goes toward your health insurance premium—what you pay each month to maintain your health coverage. You can apply it to a bronze, silver, gold and platinum plans.

What is a Cost Sharing Reduction?

CSR is a discount that lowers the amount you have to pay out-of-pocket for deductibles, coinsurance, and copayments. You also have a lower out-of-pocket maximum. You can get these savings if your income is below a certain level, and only if you choose a health plan from the Silver plan category.