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What If I Don’t Want to Buy Health Insurance?

You don’t have to buy health insurance, but if you don’t you may owe a penalty.

Failure to purchase a health insurance plan will subject you to a yearly penalty that increases each year.
In 2014 the penalty is $95.00 per adult and $47.50 per child (up to a family maximum of $285) or 1% of income whichever is greater.
In 2015 the penalty is $325.00 per adult and $162.50 per child (up to a family maximum of $975) or 2% of income whichever is greater.
In 2016 the penalty is $695.00 per adult and $347.50 per child (up to a family maximum of $2,085) or 2.5% of income whichever is greater.
The penalty is applied on a monthly basis for months without coverage during the year.
There is an exception for a single period without coverage of less than three months.

Family Annual Income 
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Can't Afford it?

When you want some protection but simply can’t afford the ever rising cost of health insurance premiums, we offer some limited benefit options. These low cost options include a Critical Illness and Emergency Treatment plan and an individual Fixed Indemnity Health Insurance plan. These policies won’t help you avoid the penalty, but may give you some peace of mind.

Don't Get Caught Without Anything!

Today, due to early detection, prevention and advances in medical treatments, the odds of surviving a life altering critical condition are better than ever. Surviving such an illness can bring serious financial and emotional hardships. Let GTL’s affordable Critical Care Policy help with these costs. With three different plans to choose from, you will find a Critical Care Policy that is right for your needs.

GTL Critical Care plans are designed for coverage of: Cancer, Heart Attack, Coronary Artery Bypass Surgery, Stroke, Alzheimer’s Disease, Kidney Failure, Major Organ Transplant, Paralysis and Coma. All plans include an Assisted Living Facility Benefit, Nursing Home Benefit, Restoration of Policy Benefit and Optional Return of Premium Rider.

Get your quote and more information about this plan today!

GTL Critical Care Coverage Brochure (PDF)
GTL Critical Care Mail In Application(PDF)

What do I do if my health changes for the worse?

If the need for better coverage arises during the year, you will have an option to apply for a guaranteed issue policy during the annual open enrollment period which runs from October 15th through December 7th of each year. The new policy would start effective January 1st of the next year.