HOW CAN WE HELP?
AT PETERS and MILAM, WE'RE ABOUT PEOPLE - THE PEOPLE WE WORK FOR and THE PEOPLE WE WORK ALONGSIDE.
Our priority is to provide excellent customer service, allowing our clients to see the best possible value in the policies available. In our 15 years of business, it has been our pleasure to serve our clients here in the Santa Barbara area with their Health Insurance needs. Health, Dental, Vision, Life, LTD, and LTC - we can assist with all lines of coverage for the Individual and your Business!
THE AMERICAN RESCUE PLAN
Expanded ACA Subsidies Through 2023
UPDATE! A provision of the Inflation Reduction Act of 2022 extended the enhanced subsidies for Individual ACA plans through December of 2025
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On March 11, 2021, President Biden signed the American Rescue Plan Act of 2021. The new law increases premium assistance available through exchanges and removes the “cliff” that makes people ineligible for subsidies if their income exceeds 400% of the Federal Poverty Level. Off-exchange consumers must apply for an on-exchange plan through Covered California to take advantage of the federal premium tax credits. People who may have earned too much to get financial help in the past may now be eligible.
•Clients enrolled in Covered California health plans will not have to pay more than 8.5% of their household income for the second lowest cost silver plan
•Clients who are below 400% of the FPL can get additional government financial assistance (the 8.5% cap still applies for household income)
•Any person in 2021 who received unemployment insurance for one week or more, and their total income qualifies for coverage through Covered California, will receive federal premium tax credit available for 138% of FPL for the duration of the Public Health Emergency in 2021
•100% federal premium subsidy for COBRA coverage.
We thank you for your patience as we navigate this new legislation together!
We are a Santa Barbara based Health Insurance Brokerage that is focused on delivering you Products and Education that will meet your exact needs.
KNOWLEDGE CENTER
Curious about your options? Check out our Knowledge Center page to read our Blog, Find a Provider, learn about Telemedicine, and more!
WHAT TYPES OF INSURANCE ARE RIGHT FOR YOU?
MEDICAL
In addition to offering a complete line of Individual products, the service you will receive at Peters and Milam is second to none. Let us help you navigate through the sometimes confusing world of Medical Insurance. Avoid penalties and make sure you and your family are covered - call us to enroll today!
LIFE and DISABILITY
Our agency is very active in the Group and Individual Life Insurance marketplace. Whether you are investigating Life Insurance for an individual, a group plan for a small start up, or a 100+ employee corporate group plan, our agency is capable and prepared to assist you.
MEDICARE
Turning 65 is an extremely important time in your life. It is at this age that most people become eligible for Medicare and guaranteed issue supplemental Health Insurance. Give us a call for a clear and concise explanation of Medicare and Supplemental Insurance policies.
employer solutions
Did you know that your employees may qualify for guaranteed issued Group Health Insurance? This is likely the case if your business has between 2-100 employees. At Peters and Milam Insurance Services, it's not just about picking a Health Insurance plan for your business; any broker can recommend a Health Insurance plan. It’s the service that you receive after the plan is put in place that really matters.
HSA And FSA
A Health Savings Account (HSA) is like a 401(k) for healthcare. It is a tax-advantaged personal savings or investment account that individuals can use to save and pay for qualified healthcare expenses, now or in the future. Paired with a qualified high deductible health plan (HDHP), an HSA is a powerful financial tool that empowers consumers to be more actively involved in their healthcare decisions.
DENTAL AND VISION
Are you considering an Individual Dental or Vision plan? There are many products to choose from, but do they make financial sense? Often times Dental and Vision Insurance may not be the best choice for your needs. We will help you determine what policy is the best fit for your needs, or we may let you know that these policies just do not make financial sense. We work with several Dental and Vision carriers in order to provide you with the best options available!
FIND A PROVIDER
Looking to find a Healthcare Provider in Santa Barbara, California?
Click below to be redirected to our Provider Lookup Directory - find a Dental, Vision, or Medical Provider in your network today!
We present updates in fresh, bite-sized, and easy-to-understand terms that leave you feeling equipped to better navigate the health care world. Take a moment to explore our Knowledge Center page and read our Blog posts to learn more about your Health Insurance options!
SEND US AN EMAIL
Use the form below to tell us about your needs, and we’ll call you back to schedule an appointment with one of our Agents. Please include whether you are inquiring about Individual, Group Business, Medicare, Supplemental Insurance, or something else. You may also call us at (805) 687 - 3225 to make an appointment. Our general response time is one business day - we look forwards to working with you! Please note that during Open Enrollment season (October 15 - December 15), our response times may be longer than usual due to a very high volume of calls & inquiries.