Free Insurance Quote Request Form
Thank you for considering Brown & Company for your insurance protection needs, and please contact us using the form below or call us at 979.694.6900 if you have any questions!
Brown & Company Insurance Services offers Individuals several insurance protection options. Please call Theresa at 979.694.6900 with questions.
Due to the changes brought about by Health Care Reform legislation, starting January 1, 2014, all individual insurance is guaranteed issue and no health questions can be asked. See our FAQs for additional Health Care Reform Resources. We offer individual insurance options off-exchange and can help you determine if you qualify for a federal subsidy if you are interested in purchasing coverage on the exchange marketplace.
The 2019 Open Enrollment Period is November 1, 2018 to December 15, 2018. You are not eligible to apply for individual insurance before or after this time unless you have a verifiable qualifying event causing a loss of other coverage. Call Theresa Ralston at 979-694-6900 for your free quote or to schedule an appointment!
Health Insurance Mandate
Effective January 1, 2014, the Federal Insurance Mandate requires U.S. citizens and legal residents to have qualifying health coverage or pay a penalty (tax). The penalty is subject to deduction from your income tax refund check starting with the 2014 tax year. This requirement can be met with coverage obtained through your employer or on an individual basis.
The penalty (tax) begins in 2014 and rises in years following. In each year, the tax consists of the higher of a dollar amount or a percentage of household income. For a given household, the tax applies to each individual, up to a maximum of three. See the following schedule:
2014: The higher of $95 per adult/$47.50 per child (up to 3 people, or $285) or 1.0% of taxable income
2015: The higher of $325 per adult/$162.50 per child (up to 3 people, or $975) or 2.0% of taxable income
2016: The higher of $695 per adult/$347.50 per child (up to 3 people, or $2085) or 2.5% of taxable income
After 2016: The same as 2016, but adjusted annually for cost-of-living increases.
INDIVIDUAL MANDATE PENALTY WILL BE ELIMINATED IN 2019 UNDER 12/22/2017 TAX REFORM BILL FROM PRESIDENT DONALD TRUMP.