KBenefits Insurance Services
Insurance - Medicare - Retirement

Individual Health Insurance



The terms “on-exchange” and “off-exchange” can be confusing.  Here are the key differences:

On-exchange :  When you enroll in an On-Exchange health plan that means you are enrollin in an Individaul health plans and due to low income you are applying for a premium subsidy from the government.   These plans can only be accessed via the Healthcare.gov marketplace.   Healthcare.gov is used primarily for those seeking a premium subsidy.  Income verification is required.   We know this as Obamacare.   Yes, Kbenefits offers Obamacare plans.  My broker code is 7990501.   I'm a free, no charge service available to you 24/7, 365.

Off-exchange means those plans that are available outside of the public exchange environment, or in the open market.  A few main benefits of enrolling in an off-exchange health plan is ease of enrollment, not needing to provide financial and income documents to determine eligiblity and superior customer serivce.

Christopher S. Kudryk
Benefits Specialist
Call: 732-333-1976
Fax:  732-444-5971

KBenefits insurance services provide solutions for small business owners and individuals In NJ, NY, PA and FLA.  Contact KBenefits today and see how we can benefit you and your company.

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