Individual Health Insurance

Advanced Benefit Systems, Inc. can provide you with a wide array of products and services from a variety of respected insurance and benefits providers. We obtain and evaluate proposals from all available carriers. We can introduce and educate you or your family on the benefits.


Advanced Benefit Systems, Inc. offers a complete line of insurance products and services. These products and services are designed to provide solutions to your personal and business financial needs.

Individual & Senior Insurance
  • Dental
  • Health
  • Life Insurance
  • Short Term Medical
  • Medicare
  • Travel Insurance
  • Vision

2017 Federal Poverty Level Chart – Income Brackets for 2017 Premium Tax Credits
Contiguous 48 States

*The ACA law text reads 133 percent, but also calls for a new method of calculating income bringing the minimum to 138% and they are choosing to disregard the 5% discrepancy.

If your family contains more than 8 people, add $4,160 for each additional.

Cost-Sharing Allowances – Income Based
Contiguous 48 States

*As a couple or married, this is still 100% help toward premiums, but there is less help with copays and deductibles

IRS Announces Inflation Adjustments for 2018 HDHPs and HSAs

The Internal Revenue Service (IRS) has released the inflation-adjusted amounts for high-deductible health plans (HDHPs) and health savings accounts (HSAs) for the 2018 calendar year. These adjustments include maximum HSA contributions, minimum deductible amounts and maximum out-of-pocket limits.

Contributions to an HSA
The annual limit on contributions to an HSA for an individual with self-only coverage under an HDHP is $3,450 (U.S. Code §223(b)(2)(A)). The annual limit on contributions to an HSA for an individual with family coverage under an HDHP is $6,900 (§223(b)(2)(B)).

Additional Contribution Amount (Individuals Age 55 and Older)
There is no change from 2017. The catch-up contribution limit to an HSA remains $1,000 (§223(b)(3)(B)).

High-deductible Health Plans
An HDHP is defined as a health plan with an annual deductible that is not less than $1,350 for self-only coverage or $2,700 for family coverage (§223(c)(2)(A)). The annual out-of-pocket expenses (deductibles, copayments and other amounts, but not premiums) do not exceed $6,650 for self-only coverage or $13,300 for family coverage.

For more information about the calculation of the inflation adjustments, see the IRS revenue procedure document.


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