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.

7 Best Baltimore Health Insurance Agencies

Employee Benefit Services

575 South Charles Street, Baltimore, MD 21202

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Group Plans
Life Insurance

Employee Benefit Services is a team of brokers that provide various employee health insurance products to clients in Baltimore and other surrounding areas. Its products include life, disability, medical, dental, and vision. It assists clients in navigating the employee benefits using automated technologies such as integrated payroll, Human Resource Information Systems, and benefits administration. It also provides strategies and plans to help clients stay financially focused. A client care specialist will address clients' issues regarding employee health benefits.

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Liz Sherstad

1414 Key Highway, Baltimore, MD 21230

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Life Insurance

Liz Sherstad is a health insurance agent who serves clients from Baltimore and its surrounding areas. Sherstad offers a wide range of health insurance products for individuals and businesses, such as Medicare Supplements. Aside from health insurance, she also provides plans for homeowners, renters, and vehicles. Other products she offers are banking solutions and annuities. Over the years, she has been leading a team of insurance professionals that is well-versed in out-of-state transfers to Maryland.

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MEBA Benefit Plans

1007 Eastern Avenue, Baltimore, MD 21202

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Life Insurance

MEBA Benefit Plans is a Baltimore-based health insurance agency that caters to active and retired members of the Marine Engineers' Beneficial Association (MEBA) and their dependents. It carries the MEBA Medical and Benefits Plan through CareFirst Blue Cross Blue Shield and OptumRx. The plan includes medical, mental health, dental, and prescription drug benefits. It also offers disability, accidental death, dismemberment, and life insurance coverages. Moreover, MEBA Benefit Plans provides pension, 401(k), training, vacation, and money purchase benefit plans.

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Pro Benefits Plus

100 International Drive, Baltimore, MD 21202

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Life Insurance

Pro Benefits Plus is a health insurance agency headquartered in Baltimore. It helps businesses in the area recruit and retain employees by working as its benefits advocates. The agency offers health insurance plans suited to both small and large companies. Based on their situation, it also educates business owners on the different health insurance and life insurance products available to them. Additionally, Pro Benefits Plus has HR administration services that assist businesses with workplace safety and harassment prevention.

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Ugele Insurance Agency

408 East 25th Street, Baltimore, MD 21218

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Individual Plans
Life Insurance

Located in Baltimore, Ugele Insurance Agency is a firm that caters to individuals and businesses who are interested in ensuring their future and assets. The company provides health coverage to clients who need to make sure that their hospital, medical, vision, and dental needs are in check. In addition, it offers workers' compensation for firms. Ugele Insurance Agency is dedicated to consulting with its customers to be able to form lasting relationships with them. Its president, Bamikole Gbangbalasa, carries 30 years of insurance expertise.

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Unity Insurance

1204 Maryland Avenue, Baltimore, MD 21201

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Individual Plans
Life Insurance

Unity Insurance is an insurance brokerage in Baltimore that offers insurance products and financial advisory services. The firm was established in 1975 and has since provided coverage plans for homes, businesses, properties, and individual needs. Its health insurance products include individual health insurance, disability insurance, long-term care insurance, as well as Medicare Supplement plans. Unity Insurance carries policies from various providers like Aetna, CareFirst, and AIG for its health and life insurance lines.

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Upper Chesapeake Insurance Agency

900 South Charles Street, Baltimore, MD 21230

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Life Insurance

Upper Chesapeake Insurance Agency is an independent agency that has been founded by David Carr more than two decades ago. It represents financially strong insurance carriers to deliver tailored insurance plans with coverage that suits client's needs. The insurance agents at this company specialize in life insurance policies for clients based in Baltimore. The different types of life insurance plans are final expense insurance, fixed annuities, and individual life insurance. Other products are auto, home, and business insurance.

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Best Health Insurance Agencies in Baltimore

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Health Insurance Agencies FAQs

Employee Benefit Services

Liz Sherstad

MEBA Benefit Plans

Pro Benefits Plus

Ugele Insurance Agency

Unity Insurance

Upper Chesapeake Insurance Agency

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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