Under 65 Health Insurance
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Short-term Major Medical
If you are outside the open enrollment period or are unhappy with your options through Healthcare.Gov you could consider a short term major medical plan. Because these plans are not in compliance with the Affordable Care Act you will still be assesed a tax penalty at the end of the year, but that penalty plus your short term major medical premium may still be a better option than a plan through Healthcare.Gov. The tax penalty in 2017 is 2.5% of your household adjusted gross income.
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Health Sharing Ministry
Certain individuals may be interested in a Health Sharing Ministry plan. This is not insurance, but rather a program where individuals contribute into an escrow account and their medical needs are shared according to certain membership guideline. RIS has partnered with Altrua Healthshare to provide this option to our clients.
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For more information contact RIS at 480-361-4630 (M-F 9am - 5pm MST) or send an email to firstname.lastname@example.org