Insurance for you, your family and your business.
|Davis Insurance Group is a trade name used by two different agencies. P&C Products offered through Davis Insurance P&C LLC. Life, Health, Long term Care and Medicare supplement products offered through S.J. Davis
& Associates. We are licensed to sell insurance in North Carolina and South Carolina. Do not cancel any insurance product until you have a replacement policy in place and paid for.
|Or call us today for your free insurance quote (910) 392-5173
5041 New Center Dr. Suite 207 - Wilmington, NC 28403
Copyright - 2006 Samuel J Davis
Did you know that starting October 1st you will have to choose an Affordable
Care Act (ACA) compliant health care plan or face a fine from the federal
government? As of January 1st of 2014, you are required to purchase an ACA
compliant health plan or face a fine of $95.00 or 1% of your income, whichever
is greater. These fines will increase the second and third years.
Did you know that you will not be able to purchase a health insurance plan
outside of the open enrollment period unless you have a special reason? Open
enrollment starts October 1st, 2013 and last through March 31st, 2014. During
this first extended period you will be able to choose your new compliant ACA
plan. Future open enrollment periods will run from October 15th through
December 7th for a first of the year effective date.
Did you know that your current plan is most likely not ACA compliant? Current
plans do not have the essential health benefits required by the new ACA law.
Some insurance companies will map you to a new plan within their company.
This option may not be the best option for you as prices and plans will vary
between insurance companies. Grand fathered plans will not be affected.
Did you know about the new health insurance exchanges? You will have the
option to purchase a health insurance plan through the new health insurance
exchange. The exchange will offer subsidies to individuals and family’s if they
fall between 100% and 400% of the federal poverty level.
If you are confused, don’t feel alone. This is a very confusing law. Let us help
you navigate through the upcoming process of choosing a new ACA compliant
health insurance plan. Please note, we are not official navigators employed by
the health insurance exchange. We are licensed insurance agents that will be
able to give you advice and help you choose your new health insurance plan on
and off of the health insurance exchange.
Grand fathered plans: If you have a grand fathered plan, you will not be
required to change to an ACA compliant plan. These plans were purchased
before March 23rd 2010 and have not changed since this date.
Employer sponsored plans: If you are on an employer sponsored plan you
will not be required to be on an ACA compliant plan until the plans renewal date
No Medical Underwriting: Starting January 1st, 2014 all medical
underwriting on health insurance plans will go away. All medical plans will be
guaranteed issued from that point forward.
For instant quotes:
Other Individual Health
We also provide free
quotes for the
- Dental Insurance
- Long Term Care
- Short Term