Dunamis Insurance Services
Individual Health Insurance
When the ACA (Affordable Care Act) was put into law, many thought that all health insurance problems had been solved. However, what we have observed over the years is that health care costs have risen at a rate greater than inflation and premiums for insurance used to cover increased costs have seemingly accelerated in recent times.
The facts are these...In 2012 I was able to write a family of 4 a HSA (Health Savings Account) compatible high deductible plan for $450 per month. The current rendition of that same plan now costs over $1,800 per month.
Many individuals and families now pay 3 to 4 times more than what they were paying for health insurance just a few short years ago. Now, with covid 19 health care services have been unusually put under stress and there appear to be no relief in sight.
Although the American Recovery Act was signed and health insurance subsidies and limits eased, it is only a temporary fix and many predict with dire consequences unless the health care system is fixed.
With all of that said, it is good to know that regardless of your age, present physical health, or any existing health coverage you may already have, choosing the right health insurance options that fit your particular needs, as well as your budget, has never been more attainable, however it requires the skill and experience of an expert to ensure that you and your loved ones are fully protected.
Dunamis Insurance & Business Services offers a full range of affordable health plans and works closely with individuals and families to find the most suitable coverage options available.
Affordable Health Insurance Plans Designed Just For You
Whether purchasing health insurance through the ACA Marketplace, or securing a plan on your own, Dunamis can help you obtain the right plan for you.
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Dunamis ACA Certified for both Individual & SHOP Insurance.
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Ideally, your health coverage should reflect the changes at each life stage. Dunamis Insurance & Business Services offers a range of health plans that can be tailored to your individual situation.
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Dunamis represent multiple highly rated health insurance companies and is able to do business anywhere in the State of Illinois
At Dunamis The Choice IS Yours!
Individual Major Medical Health Plans
Whether on or off The Exchange or Marketplace, these qualified major medical plans can be purchased and receive a subsidy towards premium payments, as regulated by the Marketplace. The major attraction with these plans is no disqualification for preexisting illness according to law.
Indemnity Health Plans
These new and innovative type of health plans are not ACA plans, but offer coverage both in and out of network and take a unique defined benefit approach toward coverage placing the premium power and healthcare decision making back into the consumer's hand. No need to wait until a deductible is satisfied with these sort of plans and the benefits are simply astounding.
Critical & Specified Illness Plans
These type of healthcare plans pay a certain amount of money for certain covered illnesses and and healthcare events. Serious event such as cancer, stroke and heart attack are paid for under these type of policies up, above and beyond regular health charges and expenditures.
Hospital Only Plans
These type of plans are not ACA plans and are only designed to pay for hospital expenses and expenditures associated with hospitalizations.
Student, Work & Foreign Travel Plans
These type of plans are designed to follow students who do international study for travel and and individuals who must travel to foreign venues for work or pleasure. We can cover individuals entering the country and individuals leaving the country for whatever purpose.