Welcome!
We're so glad you're here. Navigating the insurance world can feel extremely daunting but we're here to help. Our team has the knowledge and experience to educate you on all your options. We'll spend the time necessary to find a plan tailored to your unique needs. We assist clients with individual and family plans, employer benefits, Medicare, and life insurance. Our mission is to develop a lasting relationship with our clients through unmatched customer service, honesty, and integrity.
Important News
Do You Need Health Coverage for 2026?
We are currently outside of the Open Enrollment Period (OEP) for individual and family plans. (OEP begins again November 1, 2026.) If you need health insurance outside of OEP, you will need a qualifying reason. Examples include loss of employer coverage, loss of Medicaid coverage, marriage, and divorce. Wondering if you qualify? Send an email to contact@wiswellinsurance.com.
The countdown is on! Open Enrollment begins November 1st.
Important Enrollment Deadlines
Enroll in a plan between November 1, 2026 - December 15, 2026 for a January 1, 2027 effective date.
Enroll in a plan between December 16, 2026 - January 15, 2027 for a February 1, 2027 effective date.
NEW THIS YEAR: Previously, plans automatically renewed on December 1st. This year, most plans will automatically renew November 1st. You must reach out to us if you want to make changes.
Tax Credits and Cost Share Reduction
Tax Credits and Subsidy Cliff
Beginning in 2026, the federal government implemented changes regarding health insurance premium tax credits. Those changes are still in effect. Individuals and families with a MAGI above 400% FPL no longer receive a tax credit. Those with a MAGI below 400% FPL will receive a tax credit, but will need to understand the subsidy cliff to ensure they don't lose their tax credit. Click the link below to learn more.
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Cost Share Reduction
Those who qualify for cost share reduction (CSR) have a lowered deductible and max out of pocket. CSR is only available when enrolled through the marketplace in a silver level plan. Click the link below to learn more about CSR and what a change in CSR level might mean for you.
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MAGI
MAGI, or Modified Adjusted Gross Income, is the calculation used to determine whether or not you qualify for a tax credit and cost share reduction. Please note, we are unable to advise on this in any way. If you are unsure of the amount, please consult a tax professional. Connect for Health offers an estimate and explore tool which you can utilize to determine your subsidy amount. Click the link below to get started.
Estimate and Explore →Why should you use an insurance broker?
Save time
Brokers spend hours reading the fine print on policies and comparing insurance companies. They save their clients innumerable hours by doing this legwork for them.
Save money
Brokers strategize with their clients and help them determine the best plan for their insurance and financial goals.
Support
Call, email, DM, schedule an appointment...however you communicate best, your broker is there to support you and answer any questions you have about insurance.
What our clients are saying...
