Bob Heckley Health Insurance specializes in affordable healthcare insurance for individuals and families as well as group medical plans, Medicare supplement insurance, Health Savings Accounts (HSAs), dental insurance, and COBRA alternatives. With the Affordable Care Act (ACA), commonly known as Obamacare, all insurance companies are required to uphold certain standards and many of the health insurance plans cannot be different depending on the income level of the individual or family seeking insurance.
One of the biggest improvements in health insurance coverage is that no one can be declined insurance based on medical history or a pre-existing condition. This means that consumers are provided with subsidies, known as premium tax credits, that lower costs for households within 100-400% of the federal poverty level. The Medicaid program has also been expanded to cover all adults with income below 138% of the poverty level.
And the last ACA goal is to support innovative medical care delivery methods designed to lower the costs of healthcare in general.
One of the biggest improvements in health insurance coverage is that no one can be declined insurance based on medical history or a pre-existing condition. This means that consumers are provided with subsidies, known as premium tax credits, that lower costs for households within 100-400% of the federal poverty level. The Medicaid program has also been expanded to cover all adults with income below 138% of the poverty level.
And the last ACA goal is to support innovative medical care delivery methods designed to lower the costs of healthcare in general.
Services
We are your one-stop-shop for health insurance for San Jose, Santa Clara County and all of California.
Bob Heckley entered the Life Insurance business in 1954 upon graduating from UC Berkeley.
Over the years, he has taken on roles as an Assistant Manager and establishing his own Insurance Agency.
Bob has been active as an Insurance and Financial Planning Educator, instructing classes at San Jose State Institute of Insurance Studies, West Valley Community College, and in the MBA Program at Golden Gate University.
Bob Heckley entered the Life Insurance business in 1954 upon graduating from UC Berkeley.
Over the years, he has taken on roles as an Assistant Manager and establishing his own Insurance Agency.
Bob has been active as an Insurance and Financial Planning Educator, instructing classes at San Jose State Institute of Insurance Studies, West Valley Community College, and in the MBA Program at Golden Gate University.
We offer competitive rates to provide Health Insurance that suits your needs, whether it be for an individual or a group.
We offer competitive rates to provide Health Insurance that suits your needs, whether as an individual or as a group seeking affordable health care.
An apple a day keeps the doctor away.
But what happens when you have an accident and going to that doctor is a necessity.
Accidents and serious illnesses happen all the time and hospital expenses can quickly add up.
Having health insurance for you and your family can help prevent those staggering expenses from overwhelming you.
We offer competitive rates to provide Health Insurance that suits your needs, whether as an individual or as a group seeking affordable health care.
An apple a day keeps the doctor away.
But what happens when you have an accident and going to that doctor is a necessity.
Accidents and serious illnesses happen all the time and hospital expenses can quickly add up.
Having health insurance for you and your family can help prevent those staggering expenses from overwhelming you.
With a wide-range of affordable health insurance options, Bob Heckley Health Insurance can ensure you have the best option to meet both your financial and health care needs.
Whether you are looking for Group Coverage, Medicare assistance, or Dental coverage, we can help you find the best plans available to you within the Affordable Care Act while fitting both your benefit needs and your budget.
As a small business owner with just two or more people in your organization, or if you run a large business, Bob Heckley Health Insurance's knowledgeable agents will be able to provide you with a custom group proposal from all of the major California carriers that outlines rates and benefits for your company.
Whether you are looking for Group Coverage, Medicare assistance, or Dental coverage, we can help you find the best plans available to you within the Affordable Care Act while fitting both your benefit needs and your budget.
As a small business owner with just two or more people in your organization, or if you run a large business, Bob Heckley Health Insurance's knowledgeable agents will be able to provide you with a custom group proposal from all of the major California carriers that outlines rates and benefits for your company.
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