New Health Insurance Options Coming

It was New Year’s Eve in the local pub when Bridget stood up and said, “It’s time to get ready. At the stroke of midnight, I want every husband to be standing next to the one person who makes his life worth living.”
Well, it was kind of embarrassing.

As the clock struck twelve, the bartender was almost crushed to death.


The Affordable Care Act has required all individuals and families to buy ACA compliant health insurance. Now, the tax penalty for those who do not is repealed effective January 1, 2019. With no penalty, the door is open to other options.

Remember, before the ACA there was health insurance available to those who buy their own. The plans asked for medical history and could refuse coverage. They were considerably less expensive than today’s ACA plans. We see a reappearance of these plans from providers who stopped selling individual health insurance in Illinois because they didn’t want to meet the universal coverage required by the ACA.

All insurance providers filed their plans and prices for 2019 with the Illinois Department of Insurance last month. IDOI will announce approval in August-September.
We’ll be fully licensed and accredited to find the best coverage for you in 2019 whether you can take advantage of non-ACA plans, need ACA plans, want premium assistance, want small group coverage.

Online quoting and purchase has proven to be unreliable and really difficult to correct. Remember the Pearlstein Principle: “Never buy insurance alone.”
If you’re receiving this information, you’re already on our mailing list. You can also tell us now what your situation will be for 2019 and we’ll specially flag you for the insurance answers you need. Call us for more information at 847.362.8888.