TROUT INSURANCE SERVICES
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment's 5-Star Switch
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us

​Just Released -  New Health Insurance Benefit for Unemployment Beneficiaries 

INCREASED SUBSIDIES AVAILABLE FOR YOUR MARKETPLACE PLAN
If you have received Unemployment benefits for at least one week in 2021 -  You may be eligible for a Zero Premium " Enhanced Silver "  Marketplace Health Insurance plan.  
​
LET'S GET STARTED NOW!

FIND YOUR NEW PLAN + INCREASED SUBSIDY
Now and until August 15th - You may apply for this benefit through Healthcare.gov.
Picture
Picture
​
​Increased Premium Subsidies
Overall, the Subsidy (APTC - Advance Premium Tax Credit) you receive may increase substantially. Example a family of 4 with income in the mid $60,000 will see their subsidy increase by some $250 a month, lowering their net premium by 50%.
The increased subsidies are valid for 2021 and 2022 tax years.

These new rates will be posted to Healthcare.gov and the software we as agents use by April 1. In the meantime, the Kaiser
Foundation has a calculator here 

How do I change my subsidy and receive the increased benefit?

After April 1 and to May 15, we may update your Marketplace account to reflect these changes.
If you like, you can leave your subsidy as is. The increased tax credit will be adjusted on your 2021 tax return.

Let’s start with this checklist with your updated information for us to assist you: ACA Checklist
Picture
Picture
Can I change my plan and coverage?
Yes. During this SEP (Special Enrollment Period) February 15 – May 15, 2021, you may do so. Many people will benefit from a Silver plan with copays and lower deductibles than a current Bronze plan. IMPORTANT – Plan change will reset your deductible and copays paid back to zero. If you have had medical expenses during the first part of the year, we need to look closely at this.

Unemployment and Increased Benefits
A major provision of the American Rescue Plan ensures that most Americans who receive at least one week of unemployment compensation at any time in 2021 will be able to buy a Silver health plan with $0 premiums. You should apply and select a plan by the end of March in order to enroll in coverage starting April 1.  After April 1, you can come back in to update your application and confirm your current plan with the updated tax credits. Later this year, you may be able to receive another increase in the premium tax credits available to you.

​HealthCare.gov 
will have more information available in the summer once these additional savings are available for consumers who have received unemployment compensation during 2021.  At that time, you can come back to HealthCare.gov to update your application and current plan with more tax credits to reduce your premiums for the remainder of the year.  
​
Picture
NEW – Subsidies available for folks beyond the "Income Cap" 
Previously, individuals and families that made above specific income were not eligible for subsidies. That “Income Cap" has been removed for 2021 & 2022.

If your income is greater than 400% of Federal Poverty Line - $51,000 single, $68,000 couple, $104,000 family of 4 – you may qualify for subsidy.

Examples: Single person in mid thirties with $60,000 may now receive a subsidy of $240 monthly. Married Couple in early fifties with income of $85,000 may now receive a subsidy of $1,300 monthly.
Picture
President Biden signs the American Rescue Plan
Major Changes and Opportunities
As has been said “Elections have consequences". We are your trusted and experienced agents and advisors. With the passage of the American Rescue Plan, we have the opportunity to help bring the benefits of these major changes to you.
​
We appreciate the opportunity to work with you. We 
welcome the opportunity to help your friends, family and business associates with their insurance needs too!

For Detailed information – please click:
ARP FACTS – CMS 
ARP Unemployment

ARP 2020 Excess Premium Subsidy​

Contact our Agents

We are here to assist with your questions.

DAVE TROUT

Picture

828.279.4681 

Find Your Plan

JESSICA CODY

Picture

Office: 828.450.1348
Cell: 828.713.8640

JEREMY SHERIDAN

Picture

Mobile 828.606.7994
​Office 828.484.8032 

Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

contact@troutinsurance.com
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
Picture
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment's 5-Star Switch
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us