How Can I Get Help Paying Health Insurance Premiums? And More…

A teenager loses a contact lens while playing basketball in his driveway. He gets down on his hands and knees and searches every inch but it’s fruitless. So finally, he has to tell his mom what happened.

She comes out of the house, takes a walk around and within minutes she finds the lens.

“I looked everywhere,” whines her son. “How did you do that?”

“We weren’t looking for the same thing,” she explains. “You were looking for a small piece of plastic. I, on the other hand, was looking for $150!”

The Affordable Care Act offers help paying premiums for ACA individual and family health insurance. This is called Premium Assistance or a Tax Credit.

There’s also help meeting deductibles and out-of-pocket expenses. This is called Cost Sharing.

Jerry S. Pearlstein Insurance has earned the 2018 Elite Circle of Champions award for taking hundreds of people through this process and saving them thousands of dollars.

  • Assistance and Cost Sharing are based on a projection of your 2019 taxable adjusted gross household income. Yes, this is a projection. We can help you make it even if you’re out of work now or if your earnings depend on sales or a bonus that you can’t predict.
  • After determining your projected income, we’ll tell you if you’re eligible for assistance or cost sharing.
  • We’ll help determine which 2019 ACA health insurance plan best fits your needs and gets the greatest benefits from the government.
  • We’ll be with you on a conference call with the government to help you answer their questions…and yours…to get the health insurance plan you want with the Assistance and Cost Sharing you’re eligible for.
  • We’ll make sure the government information reaches the insurance company, that your plan is properly issued and that the government is making their payments properly. We’ll show you how you can track this, too.
  • If there are any adjustments that need to be made throughout the year, we’ll help.

***To date online enrollment systems and “navigators” have not been aware of how coverage works in our area. It is very hard to undo their mistakes of placing you in the wrong plan.

Award winning agents Jerry Pearlstein and Rebecca Bloomfield are certified by the federal government and licensed by the state of Illinois to do this work with you. We’re up-to-date on what you need and how to get it. Enrollment services are free.

Act now. Open Enrollment begins November 1. You must apply by December 15th.

We’ll help you from the beginning and through the whole process. Call us for this free service. Or just to find out if you’re eligible. 847.362.8888.





The Elite Certificate of Recognition

Billboards Outside Indian Hills, Colorado (true)

Cow grazes in pot field. The steaks have never been higher.

Becoming a vegan would be a big missed steak.

Electricians have to strip to make ends meet.

Dogs can’t operate MRI machines. But cats scan.

Life is short. If you can’t laugh at yourself, call me. I will.

The Elite Certificate of Recognition.

Why is the government  recognizing our work?

The certificate from the Health Insurance Marketplace reads: “This certificate is proudly presented to Jerry S. Pearlstein Insurance Ltd. in appreciation of your ongoing contribution and success during the 2018 Health Insurance Marketplace Open Enrollment period. Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.”

Our Mission has always been to help independents get the best benefits: health, Medicare, disability, life and long-term care insurance. The Affordable Care Act has presented opportunities and challenges we didn’t contemplate 17 years ago.

We’re accredited with the Health Insurance Marketplace, ACA as well as non-ACA health insurance providers. We’re educated on government procedures and health insurance providers’ plans.

We pass that education on in these newsletters, Alerts, public presentations and counselling sessions for people on COBRA.  We use it with every individual, family, small business that asks for our help.

As Open Enrollments for Medicare, Affordable Care Act and Small Group health insurance approach, we’re ready to assist you step-by-step to get the best health insurance plan at the best price.

This award acknowledges how well we do this  including government assistance if you’re eligible.

We’re proud of the service we give our clients. Our clients tell us they appreciate our help by returning and referring. And now, the government has told us they appreciate us, too.

We’re very proud.

Jerry Pearlstein

Rebecca Bloomfield



Alert: Health Insurance Marketplace Prepares to “Redetermine” 2019 Insurance – How Does That Affect Me?


Notices are going out to people who bought their 2018 health insurance through The Marketplace determines whether you can continue with your same plan in 2019. It may automatically re-enroll you or “migrate” you to another plan.

If you received premium assistance and cost sharing, you must reapply with 2019 income information.

Jerry S. Pearlstein Insurance, Ltd.  is accredited to take care of you through this process. As recipients of the 2018 Elite Certificate of Recognition, we will make sure you get the plan and premium you, not the government, choose as best for you.

You must act between November 1 and December 15, 2018. Call now before the government acts on your behalf: 847.362.8888.