Get covered: Health insurance open enrollment is here!


Having health insurance is important. Now, there are more reasons to purchase health insurance than ever before, aside from getting the medical care when you need it. In 2015, the penalty for not having insurance has increased for individuals and families that failed to obtain minimum essential coverage.

For example, households with income under approximately $48,750 will pay a flat dollar penalty up to $975 per household. On the other hand, households with income over $48,750 will pay a penalty equal to two percent of their income.

The mandate to have insurance for 2015 is sometimes referred to as the “Obamacare” tax penalty, or individual shared responsibility fee. Families not eligible for employer or other public assisted healthcare (such as Medicaid or Medicare) and making less than 400 percent Federal Poverty Guideline will be able to receive premium subsidies to help purchase affordable insurance through your Federal Facilitated Marketplace.

Each year, insurance companies may file with the Center of Medicare and Medicaid Services (CMS) to modify their health plans. Changes may include level of coverage, network and premium rates.

Budzinski Insurance is an independent insurance agency partnering with several health insurance companies to help families and small businesses apply for tax credit and enroll in an affordable health plan that is right for you and your employees. We also provide enrollment assistance to those eligible for Medicaid at no cost to you.

Call now before open enrollment period ends at 419-293-5020,or email us at

Budzinski Insurance offers a full line of insurance including auto, home, business, life, and health. It is located on 218 Mechanic St. Ste. A, Waterville, OH 43566. Tiffany may be contacted at 419-293-5020 or by email at