Kelley Insurance & Financial was established in 1981 as an Independent Brokerage Agency by John W. Kelley - Insurance Broker. Kelley Insurance & Financial has assisted hundreds of individual and corporate clients realize their objectives and goals through professional Risk Management, Estate/Financial Planning and Employee Benefit Programs. Recognized for outstanding quality of work and service, we use a client-centered approach for solving needs.
We feel that no two individuals or businesses have the same needs, therefore we first take the time to listen and understand your goals and concerns. Then we seek out the very finest product Solutions available from a carefully selected group of companies we represent. We know all the right questions to ask, so you will get the right answers every time!
We do all the work by first shopping the market for the insurance and/or financial products you are interested in and then provide an objective analysis of all options from the most competitive carriers.
We feel that no two individuals or businesses have the same needs, therefore we first take the time to listen and understand your goals and concerns. Then we seek out the very finest product Solutions available from a carefully selected group of companies we represent. We know all the right questions to ask, so you will get the right answers every time!
We do all the work by first shopping the market for the insurance and/or financial products you are interested in and then provide an objective analysis of all options from the most competitive carriers.
Services
The Patient Protection and Affordable Care Act (PPACA), which is generally referred to as the ACA with no doubt changed the way Americans access and purchase their health insurance more than any other legislation ever passed by congress.
The Trump Tax plan did not eliminate the Individual Mandate penalty, however made the penalty amount $0 beginning with the 2019 plan year.
One of the main features of the Affordable Care Act is Subsidies or 'Advance Premium Tax Credit' (APTC) for those who qualify based on their income for assist.
The Trump Tax plan did not eliminate the Individual Mandate penalty, however made the penalty amount $0 beginning with the 2019 plan year.
One of the main features of the Affordable Care Act is Subsidies or 'Advance Premium Tax Credit' (APTC) for those who qualify based on their income for assist.
Please be sure to review the main Health Insurance page for more information.
Individuals and Families that purchase Individual Health Insurance in Maryland are not required to use the Maryland Health Connection Benefit Exchange as residents of other jurisdictions are, unless you feel that your 'Tax Household' income qualifies for a subsidy.
You can only process a request for a Subsidy through the Exchange.
Please review 'Tax Household' income levels that may qualify for a subsidy listed in the chart on the main Health Insurance page.
Individuals and Families that purchase Individual Health Insurance in Maryland are not required to use the Maryland Health Connection Benefit Exchange as residents of other jurisdictions are, unless you feel that your 'Tax Household' income qualifies for a subsidy.
You can only process a request for a Subsidy through the Exchange.
Please review 'Tax Household' income levels that may qualify for a subsidy listed in the chart on the main Health Insurance page.
Please be sure to review the main Health Insurance page for more information.
Individuals and Families buying Individual Health Insurance residing in the District of Columbia are required to use DC Health link - the District of Columbia's Health Benefit Exchange.
This is the case rather you feel that your income qualifies for a Subsidy or not, please review the Tax Household Chart on the Health Insurance main page to see if your income may qualify for a Subsidy.
We will receive an email from DC Health Link and confirm your request for assistance.
Individuals and Families buying Individual Health Insurance residing in the District of Columbia are required to use DC Health link - the District of Columbia's Health Benefit Exchange.
This is the case rather you feel that your income qualifies for a Subsidy or not, please review the Tax Household Chart on the Health Insurance main page to see if your income may qualify for a Subsidy.
We will receive an email from DC Health Link and confirm your request for assistance.
Medicare is our country's health insurance program for people age 65 or older.
Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure.
Many Americans choose to work beyond age 65 can continue to be covered by their Employer sponsored group health insurance plans, or sign up for Medicare.
Since Medicare Part A (Hospitalization Coverage) has no charge if a worker has paid enough into the system and has enough credits (40 quarters or 10 years) many people sign up for Part A when they turn age 65 if there is no charge and delay enrolling in Part B (Professional Charges and fees) until they retire or the employer coverage is no longer available.
Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure.
Many Americans choose to work beyond age 65 can continue to be covered by their Employer sponsored group health insurance plans, or sign up for Medicare.
Since Medicare Part A (Hospitalization Coverage) has no charge if a worker has paid enough into the system and has enough credits (40 quarters or 10 years) many people sign up for Part A when they turn age 65 if there is no charge and delay enrolling in Part B (Professional Charges and fees) until they retire or the employer coverage is no longer available.
There are times when there could be gaps in our health insurance coverage during times of transition.
Examples of this may occur between jobs, or there maybe a waiting period before health coverage begins at a new job.
In situations like this it is best to have coverage in effect to protect you in the case health coverage is needed.
This is exactly what Short Term Health Insurance will do - coverage can be provided on a short term basis for a specific period of time until permanent coverage can be in effect.
Examples of this may occur between jobs, or there maybe a waiting period before health coverage begins at a new job.
In situations like this it is best to have coverage in effect to protect you in the case health coverage is needed.
This is exactly what Short Term Health Insurance will do - coverage can be provided on a short term basis for a specific period of time until permanent coverage can be in effect.
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