Health Plans

KCL INSURANCE,  Ken Lickel Independent Agent  715-856-3917

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Is it you don’t qualify for an employer sponsored group health plan or not yet eligible for Medicare? Need affordable health or temporary health coverage?

Bronze, Silver, Gold, Platinum, and Catastrophic health plans are available but choices vary by the county you reside in. 

Free quotes for plans on or off the Health Insurance Exchange (Marketplace) are just a click or phone call away!

NOTE: Annual and special enrollment periods do apply for qualified ACA health plans.

2023 Annual Open Enrollment Period starts November 1st, 2022 and ends January 15th, 2023 for plan year 2023 (January 1st or February 1st 2023 effective dates depending on enrollment date).

Note: Certain non-qualified ACA plans, such as temporary short term health insurance plans or dental, vision, hearing plans, may be available year round with or without underwriting (other restrictions may apply).

To enroll in a ACA qualified health plan outside of an annual open enrollment period you must have a qualifying life event (QLE)” which may make you eligible for a special enrollment period (SEP). 
Examples of qualifying life events:
  • Marriage
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care
  • Moving outside your insurer’s coverage area
  • Losing other health coverage due to losing job-based coverage, divorce,  COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances. Important: Voluntary ending coverage does not qualify you for a special enrollment period. Neither does losing coverage that does not qualify as minimum essential coverage, IE: temp health plans.
  • Gaining citizenship
  • Leaving incarceration
  • Gaining status as member of an Indian tribe. Members of federally recognized Indian tribes can sign up for or change plans once per month throughout the year.
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
  • Or others as determined by the Centers for Medicare & Medicaid Services (CMS)

Do you qualify for a subsidy?

You may qualify for an income subsidy if your income is between 100% and 400% of the Federal Poverty Level (FPL), which for 2022 was set at an annual income of $13,590 for a single person. If you are married and/or have children the FPL benchmark is higher and you would add $4,720 per person in your household. Most people that qualify for the subsidy will receive this in the form of an advanced income tax credit applied directly to the cost of their insurance premium. No one pays more than 8.5% of their MAGI (Modified Adjustable Gross Income) income. If your projected income changes during the year your subsidy will get readjusted when you file your income tax. Example: If you had more household income than you estimated for the year, you would be responsible to pay part or all of the tax credits back. The same is true in reverse. If income is less than projected, then any amounts in your favor would be in the form of additional tax credits. Also note that Wisconsin residents that have income less than 100% of the FPL may qualify for WI Badgercare. 


KCL INSURANCE,  Ken Lickel Independent Agent  715-856-3917

For answers to all your questions or for a health insurance quote, please click the button above. Sending your contact information is at your option and you are under no obligations. Ken Lickel will be happy to assist you!

KCL Insurance or Ken Lickel does not provide tax advice. The material provided is for informational purposes only. Please consult your tax or legal adviser for questions concerning your personal tax or financial situation.

Did you miss the enrollment deadline?? Forgot to pay your premiums before your grace period expired?? You might qualify for temporary short term health insurance. 

For direct instant quotes from SOME of the companies KCL Insurance represents, click the links below. For ALL companies represented click on CONTACT on the top of this page.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.