Welcome to my website!

    I've been helping Oregonian's navigate the complicated health insurance landscape for over 15 years. This website was designed to help you better understand the many insurance options available and to complement my personal advice when we talk.   In the tabs to the left you will find pages that address various health insurance issues.  I look forward to being of service.


So why work with a Broker?  

   The short answer is my service and advice truly come at no cost to you.
Broker fees are built into the pricing of insurance.  I am highly skilled and experienced at putting in your hands the most relevant information you need to make an informed decision.  

   Health Insurance has never been more complicated with varied plans, shopping sites, networks, and issues to understand to make an informed decision.   Health insurance for many people is their second largest bill.   

Open Enrollment 2018 for Individual Plans

    Open Enrollment for Individual Health Insurance begins November 1  and  ends December 15, with coverage starting January 1, 2018.  During this time you can change plans or add new coverage if you are currently uninsured.   After December 15 you will be unable to make any changes.  This past year the cutoff date was January 31.  The exception would be if you qualify for a 'Special Enrollment period.

    These 'Special Enrollment' situations include move to a new county, loss of group coverage, lost of Oregon Health Plan, having a baby, getting married or divorced, and some other specific circumstances.

   The Affordable Care Act requires you to have creditable coverage at least 10 months out of the year to avoid the tax penalty.  If you missed Open Enrollment and need some coverage, there may be some other options to consider--seem my 'Short Term Medical' tab for details.

This website was created with your needs in mind

  • Learn about the insurance products I represent 
     
  • Compare product brochures, provider links, and check providers
     
  • Download applications to apply for coverage or use my online application links when available.

   To learn more about a specific line of business click on the left-column tabs for more information.  I recommend you email or speak with me for specific advice.   You can expect honest and competent help when you contact me.  

 

Best regards,
Dan Neils
Agency Owner
   
   
danneils@gmail.com    

Office: 503-650-4325
 
PS  An efficient way for me to help you from the comfort of your home computer is to schedule a phone appointment with computer Screen-Sharing.  Here's how it works:
 
1. Call Dan at 503-650-4325 to set up a phone appointment at a time you can be in front of a computer.

2. When we start our call, I'll direct you to http://www.join.me and give you a code to enter where it says "Join Meeting".  This will allow you to see my computer monitor through your browser as we discuss insurance options.  I am most effective when I can show you coverage options, help you look up providers, and help you with the Marketplace direct.
DISCLOSURE:  We aim that all the quotes, brochures, and information on this site remain current and accurate, but rates and coverage are subject to change and vary by geographic location.  Final approval, effective dates, and premiums are always determined by the insurance company.  If you find an error, please e-mail me at danneils@gmail.com, and I will correct it immediately.  
YOUR PRIVACY:  I value the protection of any personal information you provide me.  No information you share on this site will be used for purposes other than what you request-- to generate quotes with various insurance companies.  Maintaining your privacy is important to us, and your name and information will never be shared or sold.