Large/Small Group Health ACA Compliance Major Med GAP Plans
All Employees & Families Deserve Affordable Health Insurance affordable coverage affordable family coverage individual insurance
Specialized Consultancy for Group Brokers
MEC/MVP Plans for Large Group (ALE) Under Obamacare
Affordable Care Act-compliant plans that start at $45 P/Month 10 Life Minimum Enrollment. For Quoting: We need a census with AGE/Gender and ZIP Code. Also the name of the group along with the state it is located
Major Medical GAP Plans
Replace gaps left by raising deductibles, out-of-pocket limits, and coinsurance levels. We can make the plan whole for 50% of the saving gained by the cost reductions above.
Family Glitch (Subsidized Coverage)
The "family glitch" is a term that refers to an issue in the Affordable Care Act (ACA). The problem arises when the ACA's definition of "affordable coverage" is based on the cost of individual insurance, rather than family coverage.
The "family glitch" was caused by the IRS's interpretation of the firewall provision in 2013. This interpretation states that if an employer offers affordable employee-only coverage, the employee and their family members are not eligible for premium tax credits, even if the employer offers affordable family coverage.
On December 12, 2022, the federal government finalized a rule that fixes the "family glitch." From 2024, for a job-based health plan, employee-only coverage must cost 8.39% or less of the employee's household income to be considered affordable.
We are proud to represent great insurance carriers like
Hammett Consulting LLC
Established in 1998 as an independent consultant for brokers and agents, our firm has a long-standing commitment to enhancing health insurance access for low-wage service and hourly workers. We provide vital coverage solutions to those who historically faced limited affordable options.
With the introduction of government-mandated coverage
Established in 1998 as an independent consultant for brokers and agents, our firm has a long-standing commitment to enhancing health insurance access for low-wage service and hourly workers. We provide vital coverage solutions to those who historically faced limited affordable options.
With the introduction of government-mandated coverage requirements in 2012, we seized the opportunity to broaden our services. We began assisting large employers in implementing top-tier Minimum Essential Coverage (MEC) plans. These plans not only ensured compliance with legal obligations but also empowered employers to retain and attract invaluable hourly workers.