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Health ReformFam
                 Timeline & Facts


Health Reform legislation has had nearly universal implications and affects every American in one way, or another in its current form.

PRO Insurance Managers offers broad, affordably priced plans through nearly every top rated insurance company nationally.  Immediate online rate quotes can be obtained by clicking here.


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Coverage Can Start:

Open Enrollment Period Opens

2017 Open Enrollment

January 1, 2018       

January 31, 2017 -                  Open Enrollment Closes

January 1, 2018

If you have a Qualifying Life Event - call for details


                                           Rich Fuchs - PRO's President
                                        YouTube video Explains Reform

                       IMPORTANT - Keep PRO Insurance as your agent!

1.) Off-Exchange Plans - If you don't want to obtain health insurance coverage through the Exchange program in your state, or if you don't qualify for a premium subsidy - get immediate online rate quotes by clicking here, or

Federal and/or State On-Exchange Plans - If you qualify for a premium assistance Subsidy (click here to find out) and will then be applying for health insurance coverage through the Exchange in your state - PRO can continue to assist you - the cost is the same either way!  Click here for instructions on what to enter while applying!                                     

Healthcare reform began January 1, 2014.  The bill has over 2,400 pages long and it seems as though everyone has an opinion as to whether it may be good, or bad for Americans.

To hopefully answer a good many questions and to help cut through some of the hype surrounding healthcare reform, PRO Insurance Managers is your resource for plain English, unbiased information on coverages, plans and more.

In March 2010, President Obama signed landmark health reform legislation into law.  This law has two pieces—the Patient Protection and Affordable Care Act and the Health Care and Education Affordability Reconciliation Act of 2010 (“Health Reform Acts”).  When joined together, these pieces resulted in major changes across the U.S. health care system for virtually everyone.

Specifically, the Health Reform Acts led to important changes in the individual/family insurance market and will continue to do so in the coming months and years.  It is important to remember that the specific details of how the changes will be implemented are subject to regulations from the U.S. Department of Health & Human Services (HHS), National Association of Insurance Commissioners (NAIC), or other authorized entity.

Healthcare reform legislation now provides for 100% coverage on many wellness/preventive services.  The services listed on the United States Preventative Services Task Force website are now covered with no waiting period.  Services listed as grades A and B are paid at 100% before customers pay any deductible or coinsurance.  All other services not grades A or B would be applied to the deductible and coinsurance provisions of your health plan.  Please CLICK HERE for specific services and recommendations for preventive care for you.

If you’re feeling confused about health reform, you’re not alone.  Although the rules surrounding the health care reform law will continue to be written, here is a basic summary of what is included in The Patient Protection and Affordable Care Act (PPACA).

You can also call PRO Insurance for advice and answers toll free at 800-821-7383.

Since the start of Reform - January 2014

Whether you’re an individual buying coverage on your own or a small employer (up to 100 employees) buying coverage for your employees, many rules for how that coverage works will be different.

  • First, health insurance companies can’t turn anyone down for health insurance coverage or ask any questions about their health when coverage is applied for.  In addition, strict rules for how much premiums can vary from one person to another are now in effect.
  • Second, there will be a market for health insurance in each state, some will be Federally based and others run by your State, in addition to the sources of coverage that exist today.  These new markets will be called “Exchanges”.  Generally, if a person doesn’t have employer-sponsored coverage, depending on income. he or she may be eligible for a subsidy to help pay for the cost of the coverage, and in some cases, an increased level of benefits with lower deductibles and copays.

Although these features sound good, you should be aware that they may increase the cost of coverage, and they are not optional – all plans are required to have a set of specific minimum essential health benefits.  Whether they result in a cost increase for you or your employees will depend on your specific situation.

  • To go along with these changes, there will also be a requirement that everyone carry a minimum level of health insurance coverage, or be subject to a tax penalty.  Some people will be exempt from this requirement if they have a very low income.
  • Employers with more than 50 employees generally will be required to offer a minimum threshold of health insurance coverage or potentially be subject to one or more tax penalties.  Employers could also be subject to penalties if their employees choose government subsidized coverage through the exchange.