Health Insurance Information

Our goal is to get you and your family the best health insurance coverage at the best rates in Harford, Baltimore, Cecil, and surrounding Maryland counties. We represent CareFirst BC/BS of Maryland, including Health Savings Account plans; and, if you need short term health insurance we represent Celtic Health Insurance.


What is a Health Savings Account (HSA) plan?
With a Health Savings Account insurance plan you can have greater flexibility and control over your health care dollars and receive unique tax advantages that can add-up to significant savings over the years.

An HSA is a tax advantaged savings account to be used in conjunction with a HSA qualified high-deductible health insurance plans to pay for qualifying medical expenses. Contributions may be made to the account on a tax-free basis. Funds remain in the account from year to year and may be invested at the discretion of the individual owning the account. Interest or investment returns accrue tax-free. Penalties may apply when funds are withdrawn to pay for anything other than qualifying medical expenses. Please note: plan availability and benefits may vary by state.


What is Short-Term Health Insurance?
Celtic Short -Term Health Insurance Website
Just select Short-Term Health Insurance, enter your Zip Code and click GET QUOTES. There is detailed information on this page as well.

A Short-Term Health Insurance plan provides you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. The Celtic Short-Term Health Plan offers high-quality, major medical coverage for one to six months, although you can apply for up to three terms for a total of 12 months of coverage. Please note: plan availability and benefits may vary by state.


General Health Insurance Questions
The rising cost of medical care and the resulting pressure on health insurance premiums makes health insurance top priority if you want to have your health expenses covered at a reasonable cost. The current health insurance system is quite complex and constantly changing. The information below may help answer your questions:

• What kinds of health insurance are there?
• How do I pick a health plan?
• Can I buy an individual policy?
• If I change jobs or become unemployed, can I bring my coverage with me?
• Where can I get more information regarding health insurance?

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