Deadline Extended

Deadline extended: Sign up by Dec 17 for Jan 1 coverage

Due to overwhelming demand and volume of consumers CMS (Center for medicare and medicaide services) extended the deadline to get health insurance coverage for effective date January 1 to Thursday, January 17, 11.59 PM Pacific Standard Time. To get assistance choosing right plan for you and your family call : 954-312-7312

Affordable Vision Insurance VSP

Save hundreds on your eye care expenses with individual vision insurance

from VSP®

Vision Insurance, eye exam

Get affordable individual and family vision insurance from VSP®


You’ll get:

  • The lowest out-of-pocket costs in the industry
  • Access to the nation’s largest doctor network
  • Fully covered comprehensive eye exam after a small copay
  • Wide selection of frames to fit your style and budget
  • Up to a $230 allowance for frames or contacts
  • Low copays: $15/exam, $25/glasses




2016 Open Enrollment Is Here

The Health Insurance Marketplace is open for business. You may be surprised to find out how affordable health insurance can be.
• Last year, 8 in 10 Marketplace consumers received an average tax credit of $270 per month.
• This year, more than 7 in 10 current Marketplace enrollees could find plans for $75 or less per month after tax credits.

Click here to see if you qualify.


Obamacare Open Enrollment 2016

And here we are again, open enrollment started on November 1 till January 31 2016.
In order to have effective date January 1 you have to enroll or re-enroll by December 15.
There are a lots of new plans and pricing on Marketplace, our mission is to help you find the best solutions.
To schedule appointment with our experienced agents please go HERE or
call at 954-312-7312.

The fee for not having health coverage in 2016

If you can afford health insurance but choose not to buy it, you must pay a fee or have a health coverage exemption. (The fee is sometimes called the “penalty,” “fine,” “individual responsibility payment,” or “individual mandate.”)

If you don’t have health insurance in 2016, you’ll pay the higher of these two amounts:

  • 2.5% of your yearly household income (Only the amount of income above the tax filing threshold, about $10,150 for an individual in 2014, is used to calculate the penalty.) The maximum penalty is the national average premium for a Bronze plan.
  • $695 per person ($347.50 per child under 18) The maximum penalty per family using this method is $2,085.

You can estimate your Marketplace health insurance cost for 2016 by clicking the image bellow.

health insurance, obamacare 2016



I do not qualify for ObamaCare

In the event that you do not qualify for a government subsidies you should consider exchange plans options as well as off-exchange plans to find policy that best meet your needs and budget. Take your time and compare your options, use our guidance. We are certified to provide you with both on and off exchange plans.

Be aware that open enrollment period for 2016 starts November, 1 and ends on January, 31 for both on-exchange and off-exchange plans. In some circumstances you may qualify for special enrollment period if:

  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care
  • Losing other health coverage
  • Moving to a new residence
  • Gaining citizenship or lawful presence in the U.S.
  • Leaving incarceration
  • For people already enrolled in Marketplace coverage:
    • Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions

Note: Voluntarily quitting a Marketplace plan mid-year doesn’t qualify you for a Special Enrollment Period.

2016 ObamaCare Enrollment

health insurance, obamacare 2016

Obamacare 2016 enrollment period is approaching, what we need to know?

Here are some key dates you and your family need to keep in mind.

  • November 1, 2015 – 2016 Open Enrollment begins
    • This is the first day you can shop and enroll in a 2016 health insurance plan. It’s also important that you make sure your account information is up to date to reflect any changes to your income or family.
  • December 15, 2015* – Last day to renew or choose a plan to avoid a coverage gap
    • This is the last day to renew or choose a plan to make sure coverage will start on January 1, 2016.
  • January 1, 2016 – First date health insurance coverage begins
    • This is the plan effective date if your clients renew or choose a plan by December 15, 2015.
  • January 31, 2016 – 2016 Open Enrollment ends 
    • This is the last day you can make changes or enroll in a new 2016 health insurance plan, without potential penalty for being uninsured.
  • UIB Agency is committed to you,  get a free information on plans available for 2016 by visiting our website at or by calling 877-336-3806 or 954-305-8878.