IS OVER 

However, you may still be able to qualify for a SPECIAL ENROLLMENT!

Get Expert Help if You Need It, Or Easily Enroll Yourself! 


If you are responsible for your own health insurance, you need a high quality and affordable health plan. If you don’t have health insurance, you will not only risk being unable to obtain medical care when it is needed, but you will also face an IRS penalty.

IRS to enforce the individual mandate under the ACA

The IRS has announced that, for the upcoming 2018 filing season, tax returns without reporting of the required health coverage information under the ACA will not be accepted and may be suspended pending receipt of this information.


So what IS the penalty NOW for not having health insurance? The IRS penalty is calculated 2 different ways – as a percentage of your household income, and per person.

You’ll pay whichever is higher.

Percentage of income

2.5% of household income

Per Person

$695 per adult

$347.50 per child under 18

Maximum: $2085

Maximum: The total yearly premium for the national average price of a Bronze plan sold through the Marketplace, and you still have no health insurance!

For the tax year 2018 and beyond, the penalty amounts have not been announced, but are expected to increase.

10,000 Americans per day turn 65. Are you one of them?

Today’s Medicare provides choice. You have health plan options that include basic Medicare, but which can offer additional services such as prescription drug coverage, and vision care.

However, often, the choices presented on government forms can be confusing. Many people find the Medicare enrollment process complicated, and are left with questions. How well do you understand your health plan options?  Will you select the right plans? Can you qualify for the coverage you need and deserve, and still keep costs down? Let us simplify the process… at no cost to you!

We are HEALTH INSURANCE and Medicare insurance experts. The tools we provide can help you understand your options, critique insurance plans, and choose the best health insurance for your needs.

We offer a wide range of services


An annuity is a unique financial product that can provide your retirement income along with the benefits of tax deferral of interest and capital gains. We offer fixed and variable annuities as well as indexed annuities. Our expertise in these complex products can help you make an informed decision about their role in your retirement plan and other long-term financial goals.

Life Insurance

Life insurance can provide financial security when your loved ones need it most. We can assist with all of your life insurance needs, including permanent and term insurance. We specialize in life insurance for final expenses and for capital transfer of assets.

Estate Plans

Preserve your estate’s cash assets through the use of life insurance and annuities. Our financial team has the expertise to help you plan wisely and achieve peace of mind about the future.

We are committed to maintaining trusting and lasting relationships with each of our clients. Since 1986, our expertise has guided thousands of individuals and businesses to make informed decisions regarding the purchase of insurance and financial services.

Contact us to discuss how we can help you plan wisely for today and for the future.



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