Health Insurance
Solutions
Annual Open Enrollment Ends Again
January 15th, 2024!!
Prepare Today for A Better Tomorrow!
We offer both traditional and non-traditional health insurance options. Davan Enterprises Insurance Agency prides itself on providing unique solutions for our clients. Below are some of those solutions including Christian Health Sharing ministry programs that can also be group health plans for churches or other non-profit Christian organizations. Also, a private care membership program for those that either don’t have insurance or individuals that have a high deductible health plan that they just can’t use unless it’s an extreme emergency. In addition to that we understand how confusing it can get when you reach that milestone of becoming eligible for Medicare and we enjoy educating clients on the many different plans and options that best fit their Medicare needs.
Beyond our unique solutions we do offer the more traditional health insurance offering such as individual major medical, dental, vision, and short-term medical plans in Tennessee, Virginia, North Carolina, and Georgia. For specific needs to help fill in gaps or assist with out of pocket costs we also offer a variety of supplement insurance plans such as Accident, Cancer, and Hospitalization. Schedule an appointment and see how we can help you!
Better Protect Your Life & Save Money! To Get Started Today
Our insurance plans
Health Marketplace Plans
Individual & Family Health Insurance Options Through Marketplace
Open enrollment is a yearly time period set by the ACA. For 2022 the time period begins November 1st and ends December 15th. It’s your time to shop for individual health insurance and purchase a plan. If you’re ready, you can call us or just click the link below to request a free quote. It is really easy and only takes 5 minutes.
If you miss this window of time to purchase a plan, there are some exceptions called Qualified Life Events that let you buy a plan during a Special Enrollment Period but it only for a limited time such as 30 days.
Depending on your family situation and annual income, you may be able to qualify for a tax credit to help reduce the amount of premium you pay for your health insurance costs. you can click our button below to find out how much you may qualify for before you buy your plan. (Disclaimer: Davan Enterprises may charge a service fee for certain health insuance enrollments. If one applies a member of our team will contact you and let you know)
Quote & Apply TodayShort Term Medical
Temporary Insurance Plans
Short Term health insurance, underwritten by National General Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life. You can choose coverage for up to 12 months. However, pre-existing conditions will not be covered, and this is NOT a substitute for traditional health insurance as it does not meet the Minimum Essential Coverage as required by the Affordable Care Act. To learn more or to see if this is the best option for you Schedule an Appointment or Download the Brochure.
Quote & Apply TodayMedi-Share
Christian Health Sharing Plans
Health Sharing is an alternative to traditional health insurance. Member’s share each other’s needs. If you are tired of traditional health insurance over regulation and looking for an affordable alternative, then a Health Sharing plan may be the solution for you. We offer two types: Medi-share for Christians and Sedera for anyone/everyone else including if you are an employer group! (This alternative is not a good fit for those that may have pre-existing conditions as they may not be covered)
Quote & Apply TodayTravel Medical Insurance
GeoBlue Voyager fills health and safety gaps internationally
Travel health insurance that helps short-term leisure, student, businessor missionary travelers identify access and pay for quality healthcare.
Insurance – Even if you are already enrolled in a health plan, your coverage is limited whe you travel abroad.
Information – Where do you turn to learn which hospitals and physicians meet your standards?
Access to quality care – How do you find a western trained, English-speaking doctor with the appropriate skills?
GeoBlue provides all this and more!
Quote & Apply TodayTrip Insurance
Medical & Trip Protection
Travel plans can change for any reason. Savvy travelers insure their trip and their health with a travel protection plan from HTH Worldwide.
What is Trip Protector?
It is a comprehensive plan to protect you while you are traveling. TripProtector includes medical protection, trip cancellation, trip interuption, baggage protection and more. It’s the coverage and services you need to help you identify, access and pay for healthcare services in 190 countries.
Why Buy TripProtector?
You vacation is an investment that can be easily protected with coverage for certain expenses should circumstances force you to cancel or interrupt your trip:
- Recover losses due to illness, injury, terrorism, financial default by your tour or cruise operator, dangerous weather conditions and more.
- Ensure you have financial and medical support in the event a medical evacuation is required due to severe illness or injury.
- Access additional support services you might need including guarantees of payment for medical care and assistance for prescriptions and contact lens replacement.
Quote & Apply Today
Federal Poverty Guidelines for
2024 Marketplace Coverage
| Persons in Family/Household | 100% of FPL | 138% of FPL | 150% of FPL | 200% of FPL | 250% of FPL | 300% of FPL | 400% of FPL |
|---|---|---|---|---|---|---|---|
| 1 | $14580 | $20121 | $21870 | $29160 | $36460 | $43740 | $58320 |
| 2 | $19720 | $27214 | $29580 | $39440 | $49300 | $59160 | $78880 |
| 3 | $24860 | $34307 | $37290 | $49720 | $62150 | $74580 | $99440 |
| 4 | $30000 | $41400 | $45000 | $60000 | $75000 | $90000 | $120000 |
| 5 | $35140 | $48494 | $52710 | $70280 | $87850 | $105420 | $140560 |
| 6 | $40280 | $55587 | $60420 | $80560 | $100700 | $120840 | $161120 |
| 7 | $45420 | $62680 | $68130 | $90840 | $113550 | $136260 | $181680 |
| 8 | $50560 | $69773 | $75840 | $101120 | $126400 | $151680 | $202240 |
Repayment Limits for
Advanced Premium Tax Credits, 2024 Tax Year
| Income (% of FPL) | Maximum repayment for single tax payer | Maximum repayment for other taxpayers |
|---|---|---|
| Less than 200% | $350 | $700 |
| 200% to 299% | $900 | $1800 |
| 300% - 399% | $1500 | $3000 |
| 400% and above | No limit; repay entire amount of excess tax credit | No limit; repay entire amount of excess tax credit |
Income conversion Chart
| Annual | Monthly | Semi-Monthly | Bi-Weekly | Weekly | Hourly |
|---|---|---|---|---|---|
| $9000.00 | $750.00 | $375.00 | $346.15 | $173.08 | $4.33 |
| $10000.00 | $833.33 | $416.67 | $384.62 | $192.31 | $4.81 |
| $11000.00 | $916.67 | $458.33 | $423.08 | $211.54 | $5.29 |
| $12000.00 | $1000.00 | $500.00 | $461.54 | $230.77 | $5.77 |
| $13000.00 | $1083.33 | $541.67 | $500.00 | $250.00 | $6.25 |
| $14000.00 | $1166.67 | $583.33 | $538.46 | $269.23 | $6.73 |
| $15000.00 | $1250.00 | $625.00 | $576.92 | $288.46 | $7.21 |
| $16000.00 | $1333.33 | $666.67 | $615.38 | $307.69 | $7.69 |
| $17000.00 | $1416.67 | $708.33 | $653.85 | $326.92 | $8.17 |
| $18000.00 | $1500.00 | $750.00 | $692.31 | $346.15 | $8.65 |
| $19000.00 | $1583.33 | $791.67 | $730.77 | $365.38 | $9.13 |
| $20000.00 | $1666.67 | $833.33 | $769.23 | $384.62 | $9.62 |
| $21000.00 | $1750.00 | $875.00 | $807.69 | $403.85 | $10.10 |
| $22000.00 | $1833.33 | $916.67 | $846.15 | $423.08 | $10.58 |
| $23000.00 | $1916.67 | $958.33 | $884.62 | $442.31 | $11.06 |
| $24000.00 | $2000.00 | $1000.00 | $923.08 | $461.54 | $11.54 |
| $25000.00 | $2083.33 | $1041.67 | $961.54 | $480.77 | $12.02 |
| $26000.00 | $2166.67 | $1083.33 | $1000.00 | $500.00 | $12.50 |
| $27000.00 | $2250.00 | $1125.00 | $1038.46 | $519.23 | $12.98 |
| $28000.00 | $2333.33 | $1166.67 | $1076.92 | $538.46 | $13.46 |
| $29000.00 | $2416.67 | $1208.33 | $1115.38 | $557.69 | $13.94 |
| $30000.00 | $2500.00 | $1250.00 | $1153.85 | $576.92 | $14.42 |
| $31000.00 | $2583.33 | $1291.67 | $1192.31 | $596.15 | $14.90 |
| $32000.00 | $2666.67 | $1333.33 | $1230.77 | $615.38 | $15.38 |
| $33000.00 | $2750.00 | $1375.00 | $1269.23 | $634.62 | $15.87 |
| $34000.00 | $2833.33 | $1416.67 | $1307.69 | $653.85 | $16.35 |
| $35000.00 | $2916.67 | $1458.33 | $1346.15 | $673.08 | $16.83 |
| $36000.00 | $3000.00 | $1500.00 | $1384.62 | $692.31 | $17.31 |
| $37000.00 | $3083.33 | $1541.67 | $1423.08 | $711.54 | $17.79 |
Looking for Supplemental Insurance?
Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Need Dental Insurance?
Whether you are looking for a stand alone Dental Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Dental (Ameritas) there options for everyone and every budget offering Guaranteed Acceptance, No Waiting Periods, and Same Day Effective dates as well as offering the choice to use ANY dentist you want.
Click the link to shop options now and enroll!
Quote & Apply TodayNeed Vision Insurance?
Whether you are looking for a stand alone Vision Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Vision (Ameritas) there options for everyone and every budget. Complete with two big networks (VSP and EyeMed) to give you access to the best providers.
Click the link to shop options now and enroll!
Quote & Apply TodayHospital Insurance Supplements Your Health Plan
Hospital Insurance Plans help with paying your out of pocket costs associated with the unexpected results of a sickness or injury. (If you are currently on MEDICARE please call us to discuss a Hospital Plan that works best for your plan)
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Hospital Plan Provides.
Click the link below to get a quote and even enroll today!
Quote & Apply TodayAccident Insurance Supplements Your Health Insurance Plan
Accident Insurance Plans help with paying your out of pocket costs associated with the unexpected results of an injury.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Accident Plan Provides.
This plan is ideal for children involved in athletics, the weekend warrior/adventurer, the laborer who depends on their ability to work with their hands.
Click the link below to get a quote and even enroll today!
Quote & Apply TodayCancer and Critical Insurance Supplements Your Health Insurance Plan
Cancer and Critical Illness (Heart Attack) Insurance Plans help with paying your out of pocket costs associated with the unexpected results of serious illness.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious illness occurs you are left without being able to work placing a financial hardship on their family in additon to the hospital stays and radiotion/chemotherapy treatments.
Most people believe their health insurance will cover all their costs but the reality is that 62% of bankruptcies in the United States are from medical debt which 75% of those HAD HEALTH INSURANCE! Through a cancer or critical illness plan you help pay for lodging/transportation to facilities that you want and even help with experimental treatments NOT COVERED on traditional health insurance plans.
Give your family the peace of mind that a Cancer or Critical Illness Plan Provides.
Click the link below to get a quote and even enroll today!
Quote & Apply TodayAdditional Resources to
Help You Choose a Plan
Health Plan Comparison Worksheet
Download this worksheet to compare two different plans and their out-of-pocket costs.
Health Plan Comparison Calculator*
This is a more robust online calculator to help you compare up to 4 plans.