Can You Still Buy Health Insurance from the Affordable Care Act?

You may have heard that there is no penalty for failing to have health insurance this year, but does that mean that the whole Affordable Care Act is gone? No, you are still able to find affordable healthcare in Sandy, UT and the friendly agents at Smart Way Insurance Agency are here to help you find the right one.

The Penalty is Gone, but Not Available Coverage

In past years if you didn’t have healthcare, then you would have to pay a penalty when filing your income tax. That doesn’t apply anymore. However, you can still find quality health insurance plans at Healthcare.gov. If you are not eligible for Medicare, you can also find med-gap policies.

Multiple Options are Available in Utah

You might not realize that affordable care plans are not limited to one or two. The health insurance found on the marketplace offers a wide range of pricing, deductibles, co-payments, and prescription coverage. You can find a policy that covers just you or will include the entire family. Even your college-aged child can be included on your play.

Work with a Professional for the Best Solution for Your Family

If you have young children, are thinking about starting a family, or have a chronic health condition, deciding which health insurance policy is right for you can be confusing. When you sit down with a qualified insurance professional, your options can be sorted out in language that you can understand while finding a monthly premium that works with your budget.

When you are ready to get your Sandy, UT family covered, give the understanding and fully-trained agents at Smart Way Insurance Agency a call. We will be happy to help you find the health insurance that works best for you. 

Should You Invest in Life Insurance?

Life insurance is designed to provide for individuals after you have passed on. For some, it is more obvious of an investment than for others. Everyone needs to make the decision as to whether it is right for them or not. If you live in Sandy, UT or the surrounding communities and you’re curious about life insurance, the Smart Way Insurance Agency is here to help. 

Family

Do you have family? If so, you’ll want to provide for them after you’re gone. Whether it is your significant others or your children, when you have a family you likely want to leave them with something. This way, the family doesn’t fall apart or they are forced to sell the house and other investments right away. It’s always best to avoid these kinds of major decisions after a death in the family. Life insurance gives your family this peace of mind. 

Debt

Perhaps you don’t have a family. If you have debt though you’ll want to take out life insurance. Whether this debt is for credit cards, student loans or other expenses under your name, your death may pass the cost over to parents or even brothers or sisters. You don’t want to leave them with tens of thousands of dollars of debt, including the cost of your final expenses. Life insurance can help with this and provide for them. 

Life insurance is for everyone. While the amount of money you should consider may vary and the recipient might change, life insurance can be one of the most important decisions you’ll make. So if you have further questions regarding life insurance and you live around the Sandy, UT community, now is the time to give the team at Smart Way Insurance Agency a call with all of your questions.