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Health Insurance

Access quality healthcare without worrying about high medical costs. Choose from a variety of health insurance plans that provide coverage for doctor visits, hospital stays, medications, and more.

Customized Coverage Designed For Individuals, Families, and Business Owners 

Whether you’re self-employed, between jobs, or just exploring the best option to fill your health insurance needs; every American has the right to affordable health insurance coverage. 

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At Hercules Health Solutions, we help make that a reality.  As insurance brokers, we work with individuals, families and business owners who want high-quality coverage to protect against the unexpected. We believe you shouldn’t have to choose between affordability and coverage, which is why we provide options.  We learn about your unique needs, lifestyle and budget to help find the best plan from one of the leading insurance carriers.

It's essential that you take the time to consider several factors when shopping for health insurance...

01

Healthcare Needs

How often do you see the doctor?  Do you have any changes in healthcare needs for next year? Prescriptions, new baby, divorce/marriage, moving, change in employment, etc. 

02

Hospitals and Physicians

Consider the provider network.  Are the providers and facilities you wish to see in-network or conveniently located near you?  Do you have the freedom to see whomever you want?

03

Cost and Budget

The most impactful consideration is cost of the plan and your financial situation.  What benefits makes sense based on your budget?  Some costs associated include:  Premiums, deductibles, co-pays , among other expenses.

Our goal is to ensure our clients have the right option to fit all of the their needs and budget.

What health insurance options are available?

Affordable Care Act (ACA) — previously known as “Obamacare” — is a federal law that makes health insurance more accessible and affordable for individuals and families.

The ACA is a great fit for individuals and families without employer coverage, who have pre-existing conditions or in need of comprehensive health benefits, and those that qualify for government subsidies/ tax credits (based on household income). 

The ACA covers essential health services like doctor visits, hospital care, prescriptions, maternity, mental health and more.

Happy family recently securing their health insurance

If you're looking for regulated, full-coverage plan with protections with no waiting periods or denial for pre-existing conditions — especially if your income qualifies for lower premiums — the ACA coverage is a smart place to start. 
Let's see if you qualify for a tax credit?

Private (off-exchange) Health Plans — offer many alternative options to the Affordable Care Act for individuals and families.  Private Health Plans may offer more flexibility in both coverage and network  — in many cases may be the most affordable option if your income does not qualify for subsidies.  Examples of alternative options are short-term plans, defined benefit plans, self-employed health plans, and healthshare plans.  

Short-Term Plans provide a temporary solution and designed to fill gaps in coverage. Plans may have a duration of 1 - 365 days, with up to a 2-year extension option (depending on residential state).​​ 

Self-employed business owner

Deductibles can be a killer financially, especially high deductibles.  92% of insured Americans will not meet their deductible in a calendar year, which means any healthcare needs will be paid by the consumer (including copays, out-of-network costs, and services not covered before the deductible is met.


Self-Employed Health Plans are designed to offer coverage that is comparable to plans through the Affordable Care Act by providing "minimum essential coverage".  Insurance companies partner with major provider networks (Blue Cross Blue Shield, Cigna, and Aetna) to give broader access in their network.

Defined Benefit Plans offer more transparency with set, predetermined benefits listed for covered services. Defined benefits plans are a great option if self-employed, not offered employer coverage or is found to be unaffordable, or you are looking for more flexibility within your plan.

Healthshare Plans are provided by organizations whose members “share” medical costs.  As part of a healthcare sharing plan, you're responsible for paying a "monthly" share amount (premium) as well as an “annual unshared amount” (deductible) that your medical expenses must exceed before the plan shares your expenses. Beyond that, medical expenses are shared among members of the organization.  Health sharing organizations are mostly religious-based.  Healthcare sharing is not insurance and not governed by each states Department of Insurance (DOI).

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