What it covers

• Comparison of individual and family plans from national and regional carriers, in one place.
• A licensed agent who can walk you through the options — eHealth is an independent broker and charges you nothing.
• Help checking whether you qualify for subsidies.
• The same plans at the same price you'd get direct from the insurer.

Subsidies you may qualify for

• Advanced Premium Tax Credit — lowers your monthly premium.
• Cost Sharing Reduction — reduces deductibles, coinsurance and copays.

Eligibility is based mainly on income, but also family size and local insurance costs. Subsidies are only available on plans bought through government exchanges.

How to use it

• Call (844) 744-0647, or shop online at ehealthinsurance.com/pareto.
• Enter your doctors and prescriptions so plans can be sorted by what actually matters to you.
• Check premiums and copays, coinsurance, deductibles and prescription costs — and confirm your doctors and pharmacy are in network.

Timing

Open Enrollment in most states runs from November 1 into mid-January, with a mid-December cut-off for coverage starting January 1. Dates shift year to year and some states set their own — confirm the current deadline with eHealth.

Outside that window you may qualify for a Special Enrollment Period after a qualifying life event — losing employer insurance, having or adopting a child, marriage or divorce, or a permanent move.

What it costs

The eHealth service is free and carries no obligation to enroll. You pay only the premium of whatever plan you choose.

Who's eligible

Anyone leaving the company, or anyone buying their own health insurance rather than getting it through an employer or government program.

Questions

• Phone(844) 744-0647
• Websitewww.ehealthinsurance.com/pareto
• Badger HR(724) 631-1119 · hr@badgerind.com