We Insure Your Life. Because You Never Know

Insurance Policy

Accident happens. So do unexpected bills. Help cover yourself and your family with affordable insurance. We have the best rates. Call or book and appointment today.

Health Insurance

Find the health insurance option that meets your needs. Healthcare coverage is one of the most important decisions you make

Life Insurance

Life insurance helps your life's moments live on. The life insurance you choose can be there when it's needed most by your loved ones

Health Care Reform

Explaining Health Care Reform: Questions About Health Insurance Subsidies

Health insurance can be expensive, and is therefore often out of reach for lower and moderate income families. To make coverage obtainable for families that otherwise could not afford it and to encourage broad participation in health insurance, the Affordable Care Act (ACA) includes provisions to lower premiums and out-of-pocket costs for people with low and modest incomes.

This brief provides an overview of the financial assistance provided under the ACA for people purchasing coverage on their own through health insurance Marketplaces (also called Exchanges).

Health Insurance Marketplace Subsidies

The ACA offers financial assistance to reduce monthly premiums and out-of-pocket costs in an effort to expand access to affordable health insurance for individuals with moderate and low-income – particularly those without access to affordable coverage through their employer, Medicaid, or Medicare. There are two types of subsidies available to Marketplace enrollees. The first, called the premium tax credit (PTC, or APTC when paid in advance), works to reduce enrollees’ monthly premium payments for insurance coverage. The second type of financial assistance, the cost-sharing reduction (CSR), reduces enrollees’ out-of-pocket costs when they go to the doctor or have a hospital stay. In order to receive either type of financial assistance, qualifying individuals and families must enroll in a plan offered through a health insurance Marketplace.

We Can Help

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Focused on people first

Knowing your needs is our top priority to ensure you get coverage right for you.

Guidance from our agents

Understanding your options is an important step. Let our agents help guide the way.

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Financial Service Solutions

Investment vehicles and strategies that optimize the financial strength of the Blue System

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COVID-19 Support

We’re here to help. Get up-to-date information on our response to COVID-19

Our Commitment To You

As an organization we recognize the increased uncertainty that coronavirus (COVID-19) is causing and as of noon 03/13/20 will have all of our staff working remotely until further notice. If you have any insurance needs please leave a voicemail or send an email to info@limrohealth.com and we will return all emails and voicemails within 24 hours. Thank you for your patience during this time.

Reviews From Our Happy Partners

A partner who can provide peace of mind, all the time.

Frank McKalister

“Limro has been able to provide insurance counseling and advice for my company, for myself personally, as well as my clients. The Agent at Limro Health are very knowledgeable in their profession and it was a pleasure to work with as with them. A great community booster, the agents at  Limro Health like to stay in touch with what’s happening locally and you can usually find them getting involved in the worthwhile causes. I would highly recommend using  Limro Health Insurance Agency.”

Ann Thorn

“The Agents at Limro health are  highly committed to their clients, community and  faith. They have an outstanding work ethic and their morals standards are of the highest caliber. I would recommend Limro Health to anyone who is in the market for Accident, Health and or Life Policy