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Blue Cross Blue Shield


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CBIX Health Insurance Exchange
Learn How CBIS can help you get enrolled.
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CBIS Receives "Most Innovative Partner/ Consultant Award
Within Healthcare Consumerism 2011 Superstars Issue pg. 48.
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Saving Realtors Money on Their E & O Coverage
Creative Benefits & Insurance Solutions Publication
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Church / Faith Organizations Insurance Program
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Historical Utica Ice Festival
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Thriving Business / Ribbon Cutting Celebration - Utica, MI
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November 01, 2016: .......Marketplace open enrollment starts

January 1, 2017: .......Health coverage can start

January 31, 2017: ........Open enrollment ends

Effective January 1, 2014, all U.S. Citizens will be required to have Health Insurance either provided through their employer or purchased on their own through the Health Insurance Exchange.

Those that do not secure coverage will be subject to a penalty posed by the IRS.

2016 and Beyond Penalty is $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of a family income, whichever is greater

If you are uninsured or will be losing employer sponsored coverage before January 1, 2017.


CBIS can help assist you in finding the right coverage and right budget that fits your household needs.

In the past individuals and families could enroll anytime during the year for individual coverage. There will only be one Open Enrollment period per year. If you do not enroll during this period you will be subject to a penalty by the IRS.

CBIS has the tools, technology and the access to all the major carriers participating in the Health Insurance Exchange. Let CBIS take the worry out of reviewing the fine print of each available plan design.

With one application, you can see all your options and enroll. When you enroll through CBIS into the Health Insurance Marketplace we’ll help to determine if you can get lower costs on your monthly premium for private insurance plans as well as learn if you qualify for lower out-of-pocket cost.

In addition through CBIS we can tell you if you qualify for free to low-coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).

Through CBIS you can apply for Marketplace coverage three ways: online, by mail, or in-person.

Open Enrollment starts November 01, 2016. Plans and prices will be available then! Give us a call to set up your free consultation today.




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