Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

Laws for health insurance have changed dramatically since the implantation of the Affordable Care Act, better known as Obamacare, and can be somewhat tricky to maneuver. For example while all individuals are required to have health coverage, the health care law does not require employers to provide health insurance for their employees.

However, employers with 50 or more full-time employees that do not offer insurance, offer insurance that is unaffordable, or offer coverage that does not meet a minimum value standard will be subject to fees. For this reason PTH Financial & Insurance offers ACA enrollment for individuals and free evaluations for employers to help them identify and meet their obligations under the Affordable Care Act.

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