Michelle L. Williams
Independent Insurance Broker
Individual and Small Business Health Insurance
TWA specialize in assisting individuals who have lost their jobs and cannot afford healthcare. Many believe that health insurance cost too much but realize after speaking with one our licensed agents it was worth the call.
Helping Small Business throughout the State of Georgia. Small businesses are paying too much in payroll taxes, benefits, and retirement for employees. TWA can help cut your payroll taxes in half while providing your employees with a benefit package that fit their needs.
Three Products in One!
• Critical Illness Insurance
• Cancer Insurance
• Heart Attack/Stroke Insurance
Upon diagnosis of a covered condition, a check is sent to
the policyholder, not the health care provider. No receipts
or medical bills necessary. Payment is to them, to use any way
• Replacing lost income while the client is off work
• Keeping up with ongoing living expenses
• Paying health insurance deductibles and copayments
• Hiring home health care or child care services
• Traveling to treatment facilities
Chronic diseases are defined broadly as conditions that last 1 year or more and require ongoing medical attention or limit activities of daily living or both. Chronic diseases such as heart disease, cancer, and diabetes are the leading causes of death and disability in the United States.
Chronic Illness also affects one or more of your daily activities of living such as:
Long-term care insurance products designed to provide the asset protection a whole new generation of Americans need while maintaining the viability and sustainability of the product line for years to come.
Disability insurance provides partial income to individuals to assist with paying your bills if you get too sick or injured to work. This type of insurance can be added as a rider on most insurance plan or purchased as a stand-alone policy.
Dental & Vision
Need to see a Dentist and get your eyes check. Give us a call today for a low monthly cost plan that will take care of routine cleaning and eye exams.
This illness is when a licensed physician diagnosed you with a certain amount o time to live. If you are diagnosed with a terminated illness, you will be able to accelerate a portion of your death benefits while living to take care of any last wishes you may have.
Affordable Health Care!
What is the minimum income to qualify for the Affordable Care Act 2021?
In 2021, for a single person, 138% of the poverty level equates to $17,774; for a family of four, that amount equals $36,570. Alaska and Hawaii are unique states with higher income guidelines – those can be found here
What if your income is too low for Obamacare?
Less Than 400% FPL
You'll make additional payments on your taxes if you underestimated your income, but still fall within range. Fortunately, subsidy clawback limits apply in 2022 if you got extra subsidies. in 2021 However, your liability is capped between 100% and 400% of the FPL.