Health Insurance for Families and Individuals

Avoid a Tax Penalty

It’s the law. All U.S. citizens and legal residents are required to have health insurance. If you do not, you could face a tax penalty from the federal government. Health insurance can include employer-provided insurance, coverage you buy on your own, Medicaid or Medicare. If you are uninsured for just part of the year, 1/12th of the penalty applies to each month you’re uninsured. If uninsured for no more than 2 months of the year, you don’t have to make a payment.


For 2015 income reported in 2016 The fine per adult will rise to $325 per uninsured adult in the household and 50% of the adult rate per child. The alternative assessment is up to 2% of the family income if 2% is greater than the fixed fine.Under the fixed fee assessment, the maximum fine per family: $975
For 2016 income reported in 2017 The assessment will be $695 per adult, 50% for children, or 2.5% of income, whichever is greater.Under the fixed fee assessment, the maximum fine per family: $2,085

It is important to keep the percentage assessment in mind. For example, a family that earns $120,000 in 2014 could be assessed a fine of $1,200, rather than the $285 fixed fine. The assessment is based on whichever is higher, the percentage of income or the fixed fine.

Individual & Family Health

Kairos Insurance Group has a wide selection of individual and family health insurance plans. We can do the price-shopping for you and find the best value for your specific needs which is also within your budget. For a free health insurance quote. There are many possible reasons why you may wish to pursue individual/family coverage. As of January 1st, 2014 everyone will be able to obtain individual health insurance regardless of pre-existing medical conditions. Kairos Insurance Group can obtain quotes inside or outside of the healthcare exchange. You may or may not be eligible for a subsidy and we can help you determine this. If you are eligible for a subsidy you will be given the option to take it as a tax credit at the end of the year or have it directly applied to your premium.

Health plans offered through Connect for Health Colorado will provide more comprehensive coverage, in compliance with new federal requirements. The minimum set of benefits and services that must be included in these health plans are:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Health plans can include more benefits than the ones identified above. Costs for the services can vary from plan to plan.

We can help you understand how best to meet your needs and research those plans which may benefit you the most and stay within your budget. There are options for any number of situations in which you find yourself. Please click on our Get a Quote page or call Summer Westerbur at 719-637-2500.