Health Insurance Simplified
No Extra Cost. Simplified Enrollment. Local Support.
Get a Simplified Health Insurance Quote
(910) 833-4638
Why Work With A Safe Harbour Advisor Agent
Safe Harbour Advisors specializes in health insurance solutions for individuals. While many people have coverage through their employer or spouse’s employer, there are many people who do not. Examples include people who are self employed, planning for retirement, or people who are not offered health coverage by their employer. There are several different options for individual health insurance, whether that be ACA (Obamacare) or a NON-ACA plan. We will work with you to help you determine the right plan for your coverage needs and budget.
No Extra Costs
The price of your health insurance plan is legally regulated, so you will find the same premium no matgter where you shop. Working with a local Safe Harbour Advisor means you can ger personalized help at no extra cost.
Transparent Quoting
Our process is simpland transparent. We don’t simply work with one helath insurance carrier – your quote will include all top carriers in your area.
Side by Side Comparison
Our advisors will help you understand your options in an easy to read, side by side comparison.
Plan Analysis
Your Safe Harbour Advisor will analyze your unique situation to guide you through the process of choosing a plan.
Obamacare Alternatives
Many people don’t realize there are options outside of the ACA marketplace. Non Obamacare plans are usually health underwritten and receive no monthly subsidies. These plans are typically 30-50% less than a full price ACA plan.
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Save 30-50%
- No open enrollment period
- Health underwritten
Enhance Your Health Insurance
All health insurance plans can leave large gaps of coverage. Enhance your protection with supplemental insurance. These can be added to any plan – even an employer’s benefits.
- Accident coverage
- Critical illness coverage
- Hospitalization coverage
Affordable Care Act Plans
9 out of 10 people qualify for savings on the marketplace. You may qualify for:
- Lower monthly payments
- Lower deductibles and max out of pockets
- FREE preventative care and wellness reimbursements
What is a Deductible?
Your deductible is what you will pay out of pocket before your health insurance will begin to cover any qualified expenses. Deductibles are usually an annual amount.
What is a Co-Pay?
Many health insurance plans will have a copay associated with certain services. This means that prior to meeting your deductible, you will only be responsible for the copay. In our example above, if you have a $10 copay for a primary care visit, then even before you hit your $1,000 deductible, you will still only need to pay the $10 copay when visiting a primary care physician.
What is Co-Insurance?
After you have paid your deductible, you still may be required to pay co insurance. This is a small percentage of your medical bills that you’ll pay after paying for your deductible. So for example, if you have a $1,000 deductible with an 80/20 plan you will pay your $1,000 deductible, then 20% of any of your medical bills up until you meet your max out of pocket. After you have met your max out of pocket, 100% of any qualified expenses will be covered.
Health Insurance
Are you paying an arm and leg for health insurance or maybe don’t have any coverage at all right now? Avoid costly medical bills with an affordable health insurance alternatives.
Life Insurance
How much coverage is enough? Make sure your family is protected with enough coverage to provide for them when you are gone.
Annuities
If you’re looking for principal protection with the potential to earn an attractive rate of return that is tied to the market, without being directly invested, a fixed indexed annuity may be a fit for you.
Get in touch
Jim E. Sloan is the founder of Jim Sloan & Associates, LLC, a comprehensive wealth management firm located in The Woodlands, Texas. Jim is an Investment Adviser Representative providing investment advisory services through AE Wealth Management, LLC, an *SEC Registered Investment advisor. This relationship allows Jim Sloan & Associates, LLC to bring institutional-level experience, practices, and pricing to individual families. Jim is also a licensed insurance agent in Colorado and Texas. This is Jim’s sixth financial book and is aimed at helping investors become financially informed. Jim is a U.S. Army veteran, native Houstonian, and lives in the Woodlands, volunteers with several local charities, believes in the name of Jesus, loves to travel, and enjoys most things outdoors.