Leahy Consulting Services works with Individuals to develop strategies to reduce what you pay in insurance premiums and taxes.
Are You purchasing the right type and level of Health coverage? Below are a few examples of how LCS has advised and helped our Individual clients.
Traditional Copay
Plan |
Qualified High Deductible Plan
|
|||
Family Premium
|
Family Premium
|
Monthly Savings
|
Annual Savings
|
|
| Client A | $1,310 |
$331 |
$979 |
$11,748 |
| Client B | $1,256 |
$334 |
$922 |
$11,064 |
| Client C | $1,241 |
$752 |
$489 |
$5,868 |
| Client D | $1,023 |
$307 |
$716 |
$8,592 |
| Client E | $802 |
$326 |
$476 |
$5,712 |
| Average | $1,126 |
$410 |
$716 |
$8,597 |
In these examples, our Client's maximum exposure increased from $2,500 or less to as much as $5,000. Yet, in every case the annual savings exceed the maximum exposure. Equally important, our Clients are now able to set-up Health Savings Accounts and contribute tax-free each year (2010 family maximum $6,150) to what is essentially a medical IRA.
Please contact us to discuss your specific needs and we will help you select the plan and carrier that is best for you. Below are links to some of the health insurance carriers we work with in the Virginia market. You can explore the plans and get preliminary underwriting completed through these links.
Carrier links for Individual Policies:
Note in this context Individual means: people buying health insurance independently and not through their employer, regardless of how many people are covered, be it a single person, a couple or a family, it is still referenced as an Individual policy.