Individual Coverage

In addition to employer group benefits, Bene-Care is also licensed to assist individuals and families with enrolling in coverage directly through local insurance carriers, and through the New York State of Health. Those enrolling in coverage through the New York State of Health Marketplace may be eligible for tax credits or premium subsidies depending on their household income, and employer benefit plan eligibility.

The Affordable Care Act (ACA) requires most individuals to obtain health insurance coverage for themselves and their family members, or pay a penalty. This rule, which took effect in 2014, is often referred to as the “individual mandate.” Although the individual mandate has been repealed effective 1/1/2019, the regulation remains in effect for 2018. The penalty has increased since 2014 and is currently $695/per person or 2.5% of your income, whichever is greater.

For more information on enrolling in individual or family coverage, please submit a request for a quote.