ATTENTION:
The open enrollment period for Health Care under the Affordable Care Act closes February 15. DON’T miss out on your chance to get help paying for insurance. Please come in and see us or call to set up an appointment and let us help you through the process!

Kevin Counihan, CEO of federal health insurance marketplace, and recent speaker at the America’s Health Insurance Plans (AHIP) Conference emphasized the vital role that insurance brokers play in the insurance market today. He directly states, “Communication with consumers is important; we need to educate the consumer.”

With the market consistently changing, brokers are a consumers best link to truly understanding what they need when buying health insurance. At Harrington Insurance LLC, we support this idea and we want to help you learn all you can so that you can make the

Every year, the Affordable Care Act sets a maximum dollar amount Essential Health Benefit limitation so not to exceed the OOPM limit. For the upcoming enrollment period these dollar amounts are: $6,600 for individual coverage and $13,200 for family coverage.

These regulations will begin affect on January 1, 2015.

The Open Enrollment period for 2015 (ACA) coverage is November 15, 2014 to February 15, 2015.

If you haven’t enrolled in coverage by then, you generally can’t buy Marketplace health coverage for 2015 until the next Open Enrollment period for coverage the following year.

If you’re enrolled in a 2014 Marketplace plan, your benefit year ends December 31, 2014. To continue health coverage in 2015, you can renew your current health plan or choose a new health plan through the Marketplace during the 2015 Open Enrollment period.

If you don’t have health coverage

Welcome to Harrington Insurance Solutions, where your experience is our top priority. In a market that has recently been undergoing some drastic changes, we want to make sure that YOU, the buyer, can gather all the information you want to learn about here on our “Learning” page. We will do our best to explain some of the more complex parts of our industry, so that you can make an informed decision when choosing to purchase the type of insurance you need. If you still want to learn more, it would

Life insurance pays a “face amount” to the beneficiary of the policy upon the death of the insured person. The purpose of life insurance is to fund the needs of anyone who would suffer from the loss of your income resulting from your death. Life insurance is used to satisfy both business and personal needs.

Business Needs:

Collateral for business loans
Funding for buy/sell agreements
Funding lost profits while seeking a replacement for a key executive
Providing benefits to key employees and general employees

Personal Needs:

Funds to raise and educate children
Funds to cover funeral expenses and

What is Disability Insurance?
Disability insurance is a form of coverage that will replace a percentage of your income should you be unable to work because of injury or illness. Most policies are written for a specific monthly benefit – the face amount of the coverage. The upper limit is typically between 50% and 70% of your earned income.

Types of Disability Insurance

Individual disability insurance – this type of policy is written specifically for the covered individual, with choices for coverage amounts, periods, exclusions, etc. The more comprehensive the coverage, the higher

There are four primary types of travel insurance:

Trip Cancellation Insurance
Baggage (or Personal Property) Insurance
Emergency Medical Coverage
Accidental Death Coverage

Trip Cancellation Insurance
A special family vacation can easily cost thousands of dollars. We all heard new reports of cruise operators shutting the doors and leaving passengers stranded and scheduled passengers with worthless tickets. What about last minute cancellations because of illness or death in the family? That’s where trip cancellation insurance comes in.
Trip cancellation insurance should be purchased from an insurance company, not from the travel company itself. Coverage purchased from a cruise

Don’t think you will qualify for health insurance because of high risk classification? We have just the plan for you. Through a USA plus Secure Advantage policy, you can get approved to receive health insurance, life insurance, and even dental insurance no matter how high of a risk you are, because they do not ask you! Not only is your medical background not a concern, neither is overpaying, as these plans are made quite affordable! Follow the link to learn more from USA plus Secure Advantage http://tc22465.usateamcorp.com/Default.aspx