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Personalized Health Insurance Solutions

Greg and April Sanders find the right health insurance plan for you, with over 21 years of independent expertise.

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Without a solid health insurance policy, one serious accident or illness could lead to major financial loss.

Many plans on the market today that appear to be solid major medical plans, yet they have some policy exclusions or limitations that consumers easily overlook. Even some reputable carriers offer relatively affordable plans that leave out important benefits.

The Individual Health insurance Market is not easy to Navigate.

It’s quite challenging to find good advice because agents receive little to no compensation for selling ACA plans. What is an ACA plan? The Affordable Care Act (ACA) requires insurance companies to meet certain conditions for a plan is to be considered “ACA-compliant”.  An ACA plan is the most popular type of individual/family health plan.

With ACA Plans, pre-existing conditions are covered and plans are required to include the 10 Essential Health Benefits.  For a list of these benefits, click HERE.  Plans can be purchased on or off the Marketplace.  If you think you qualify for a subsidy (Advanced Premium Tax Credit) based on your income, then you want to go the Marketplace – www.healthcare.gov – to determine how much you would receive.

Hundreds of thousands of people qualify for a large subsidy, so they pay very little for their health insurance.  Even though the networks and benefits might not be great, the very low cost usually trumps everything else.

If you earn too much money to qualify for a subsidy, then there is no reason to go through the Marketplace.  You will involve a middle-man (the government) when applying for coverage. You will be much better off purchasing coverage OFF the Marketplace (AKA, the Exchange). 

Alliant Health offers PPO plans, but they are only available in some counties in North Georgia.

Provider Networks:  With the exception of Alliant Health (in some North Georgia counties), all carriers offer HMO plans only. It is important to check provider networks to find out if your doctors and preferred hospitals are in-network with the various plans.

Drug Formularies:  Check your medications to find out how much you will pay.  Also, carefully review the pharmacy plan benefits. Often times, you’re required to meet your deductible before the plan pays for brand-name drugs. Generics do not require a deductible.

Alternatives to ACA Plans

Should you consider a Non-ACA Plan?  We call these “Alternative” plans.

  1. Income:  If you (your household) will likely earn more than 400% of the Federal Poverty Level, then you will not qualify for a subsidy.  If you’re not sure about your income, please click HERE to see if you qualify.
  2. Health:  If you are good health and do not have any serious pre-existing conditions, then you might not need an ACA plan.

Alternative plans may be a better option for the following reasons:

  • The Shared Responsibility Payment (AKA: penalty / fine) no longer applies. The Individual Mandate was repealed as of January 2019. You will not be penalized for not having an ACA compliant plan.
  • The typical premium is 40% to 50% lower than a comparable ACA plan.
  • Most STM plans have strong, national PPO networks.
  • You can enroll in a plan any time during the year.

ALERT:  Numerous insurance companies appear to offer quality health insurance, but the plans are often weak with caps, limitations, and policy exclusions that can leave you exposed to large out-of-pocket expenses.  When you search online for “health insurance”, the top results are usually the ones offering these poorly designed plans. Buyer beware.

Since agents are not compensated well with ACA plans, they will usually steer you towards alternative plans and minimize the risks you face.  Don’t allow this to happen.

Alternative Health Insurance Options

  • Option 1.   *Short-term Major Medical.  Pre-existing conditions are not covered. You can enroll anytime of year.  PPO or Indemnity plans available.  The plans we recommend allow you to keep your policy for one year and renew it (without requalifying) for up to 3 years.
  • Option 2.    A Health Care Sharing Ministry Plan with Medi-Share or other companies.   You can enroll anytime of year.  Plans offer access to a large, national PPO network.  There are a couple of other Health Care Sharing Plans with less stringent eligibility guidelines.
  • Option 3.  Small group plan.  If you are a business owner and have at least one W-2 employee, this could be a viable alternative.  We can prepare comparison quotes with several carriers.

Conclusion – Health Insurance for the Individual, Family & Self Employed

Understanding all your options and choosing the best plan isn’t easy.  Sometimes, it makes sense to split family members up on different plans, depending on individual health and circumstances.

The good news is that you can make new plan choices every year during Open Enrollment from November 1 to December 15.  You’re not locked in to a plan long-term.

There is a wide range of products on the market today and many carriers offering unique insurance plans.  It is important to know what type of health insurance you are buying and that takes the experience, expertise and the care of a health insurance advisor.  That’s why we’re here…we know all the pitfalls of buying health insurance and we help our clients make the best informed choices.

What Our Clients Say About Us

Hear from clients who trust Peachtree Insurance Advisors
to find the right Medicare and insurance plans.

Read All Reviews Here
As a 30 year veteran serving clients in financial planning and wealth management I know who the real professionals are and who just claim to be. Greg is a true pro that CARES! I have consulted with Greg on my own personal health insurance needs after my wife lost her job due to COVID. I have referred my clients to Greg for their Medicare needs. He has helped my clients transition from group insurance to Medicare and offered invaluable advice along the way. I recommend him without reservation.
Mark StevensOwner, CFP at Stevens Wealth Strategies, Dunwoody, GA
Dealing with insurance companies was driving me insane and had my husband considering taking tranquilizers! Greg became our voice of reason, assuring us that we could get through the tangled mess of information and decisions. I now have my own health insurance policy and my hubby has smoothly transitioned to a Medicare policy with all that that entails. Can't thank you enough for your help Greg!
Fran KaplanWriting Workshop Producer at Writing to Command Attention. Atlanta, GA
Better than the Best in Town. Greg knows his business well, manages himself as a thorough professional, searches tirelessly for the best insurance deal, and handles communications with his clients almost perfectly--not too little, not too much, just at the right time and in the right way. It's rare to be able to give an unqualified recommendation, because usually even the best has room for improvement. But Greg did such a magnificent job solving both health and life insurance needs for us that I cannot provide anything but positive and enthusiastic endorsement.
Eric FichtnerPresident at Symphony Technology Solutions, Inc., Marietta, Georgia
Simply put, Greg is fantastic. He knows the Medicare insurance world and he knows how to best to advise his clients. He makes suggestions for good choices, but never pushes the client to make a decision they aren't comfortable with. He is also extremely patient with any questions that arise, and we had a plethora of them. I have recommended Greg to several friends and family members, and they were all equally pleased.
Dann DunnAthens, GA
We have worked with Greg Sanders for our Medicare Supplement and Prescription Drug plans, and he has been absolutely GREAT to work with. He presented us with options to review in advance, and also took the time to walk us through the ones he felt would best meet our specific needs. We are very pleased with both the process he used as well as the eventual company and plan selections we made. We have already referred a number of our friends to Greg and will continue to do so in the future. THANKS for all your help!
Ken (and Cheryl) CottinghamCPA, CFP at Ronald Blue Trust Marietta, GA
When my husband turned 65 and came off my insurance, we didn't know who to turn to, to navigate the Medicare and supplemental insurance maze. We found Greg Sanders who was an enormous help. What we liked best is that Greg really listened to us. And based on what he heard, he was able to explain the things we didn't understand, and helped us select a supplemental insurance plan that was right for my husband. He didn't push us into any particular plan. He listened, and then presented the two plans that were best for us, and helped us select the one that was the best deal. We benefited greatly from Greg's knowledge. Could not have done it without him.THANKS for all your help!
Jerry & Moira FrenchMoira: Administrative Assistant at Dentons US, LLP
As a financial planner, I have referred many of my clients to Greg over the past eight years. He is one of the rare agents who is highly dependable, trustworthy, and knowledgeable. I consistently hear excellent feedback, in terms of the expertise and service he provides. Greg has advised me on my own health insurance needs and I have consulted with him on complicated cases. I strongly recommend Greg at Peachtree Insurance Advisors to anyone who needs an honest agent to get the job done right.
Alan JeglinskiFinancial Planner, Chestatee Financial Services, Dawsonville, GA
I have known Greg for over a decade, and our family has returned to him for insurance services of all types over the years. He has been exceptional on all points: knowledgeable, skilled, responsive, and trusted to provide the best advice available. I highly recommend Greg's services across a variety of insurance requirements.
Jody Newman Powder Springs, GACEO, IBEX Group

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