Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

6 Best Worcester Health Insurance Agencies

Advantage Benefits Group, Inc.

78 Pleasant Street, Worcester, MA 01609

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Individual Plans

Advantage Benefits Group, Inc., is a locally owned, independent company in Worcester that specializes in health insurance plans for employees. Its team of professionals aims to help small and mid-sized companies with benefits management so they can focus more on their businesses. These experienced professionals educate employers about the various health insurance plans available and how to negotiate with multiple carriers. They also help with administrative tasks, claims tracking, handling monthly billings, annual renewals, and hiring and termination procedures.

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Corporate Benefit Plans

195 Park Avenue, Worcester, MA 01609

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Group Plans

Corporate Benefit Plans helps employers in and around Worcester minimize risks by providing their employees with various benefits. These include health, disability, and life insurance plans. The firm also assists businesses with the designing, planning, and compliance of employee benefits. Other business services include college benefit plans, HR solutions, and HEBA benefits. Additionally, it offers personal and home insurance products. Corporate Benefit Plans has more than 20 years of experience in the business.

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Herlihy Insurance Group

51 Pullman Street, Worcester, MA 01606

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Life Insurance

Herlihy Insurance Group is an insurance agency that serves clients in Worcester. It offers various healthcare, group health, disability, long-term care, and life insurance plans. The agency also covers other insurance products and services for contractors, restaurants, medical groups, and commercial properties. Since its establishment in 1927, it has served 1,200 commercial clients and 4,000 personal lines clients. To give back to the community, it introduced Team Herlihy in 2005, which supports local organizations that include Habitat for Humanity and Girls, Inc.

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Manero Insurance Agency

617 Mill Street, Worcester, MA 01602

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Individual Plans
Life Insurance

Manero Insurance Agency has been serving the health insurance needs of Worcester clients for over 60 years. The independent agency takes the time to understand their clients' individual needs and risks and work through them to develop efficient coverage. It is able to provide clients with a wide range of coverage options through its affiliations with insurance companies such as Travelers and MAPFRE. Manero Insurance Agency is involved with the local community, employing locals and participating in events and charities.

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Marsh-Kemp

120 Turnpike Road, Southborough, MA 01772

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Individual Plans
Life Insurance

Marsh-Kemp is an insurance agency serving residents of Worcester and the surrounding areas since 1912. The agency represents a group of reputable carriers to provide various health insurance options compliant with the Massachusetts state requirements. These various options include individual insurance for those with or without pre-existing conditions, private insurance for unemployed individuals, and group health insurance for small businesses looking for employees' health insurance programs. Apart from health insurance, the agency also offers life, auto, and business insurance products.

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Robert P. Powers Insurance Agency Inc.

10 Institute Road, Worcester, MA 01609

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Group Plans
Life Insurance

Robert P. Powers Insurance Agency Inc. helps provide health insurance services to employees in Worcester. It caters to businesses that want to give medical compensation and benefits to their employees by purchasing group health plans. These include group disability, life, dental, health, and long-term care insurance products. In addition, its team of insurance agents guides clients in claim reporting, processing, settlements, and payments. Its owner, Robert Powers, has been assisting clients with their insurance needs since 1973.

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Best Health Insurance Agencies in Worcester

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Health Insurance Agencies FAQs

Advantage Benefits Group, Inc.

Corporate Benefit Plans

Herlihy Insurance Group

Manero Insurance Agency

Marsh-Kemp

Robert P. Powers Insurance Agency Inc.

Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

Q: Do employers have to offer health insurance?

Q: Do you have to pay a health insurance deductible upfront?

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