Hello, I’m Dawn Kyle and welcome to ColoHealth. You’ve come to the right place to get honest answers so you can make sense of all the choices you have whether you're looking for individual health insurance or a way to cover your whole family. I know because I began learning about health insurance when I was just a child.
I grew up in south Mississippi going to visit my dad’s “insureds” and watching him help people find insurance. My parents influenced me more than anyone else by showing me that if I always do the right thing, I will never regret my choice. Mom influenced me by instilling character and integrity. My dad influenced me with his work ethic and the care he took with his clients. I hope the legacy I pass on is that I made a difference in the world one day and one person at a time.
Having raised four kids, I know how important it is to find health insurance you can count on at an affordable price. I ask myself every morning: How can I make a difference in the life of someone else today?
Dawn with Josh and Patrick
Bekah and Jesse
When I became single again (with four young children), I could have chosen to live on the sympathy and understanding of family and friends, but I wanted to set a better example for my children. I am happiest when spending time with my family. Now that my children live in four different states, it is important to me to have contact with each one weekly. My greatest happiness now is being with my granddaughter.
Hannah, Taylor and Madelyn
I
chose to live in such a way that I could say I not only survived - I lived victoriously!Some
of my most challenging and rewarding experiences have been helping internationals
understand our somewhat confusing health care system. (Many agents don’t
want to help them because of the cultural and language barriers.)It was not uncommon
for someone from another country to bring a friend to my office unannounced, knowing
that I would drop what I was doing and answer questions.
I
will listen to you and do what it takes to help you find a good solution to your
problem, too. I am always honest with my clients and one of my strengths lies
in communicating complex insurance ideas. That’s how I can help you
make the right choice for your situation and have the peace of mind that comes
with knowing you’ve made the best decision for yourself and your family.
I
can show you how to save on both premiums and taxes with what’s known as
a Health Savings Account (HSA). To open one of these tax-advantaged accounts,
you must have health insurance that’s qualified to work as an HSA Plan.
These plans have deductibles between $1,200 and $5,950 for individuals and between
$2,400 and $11,900 for families. The best part is that premiums typically
cost about 30 or 40 percent less than co-pay coverage. You can invest what
you save in your HSA for tax-free earnings that grow like an IRA.
Some
people cut their taxes by as much as $1,850 because you can take a tax deduction
(even if you don’t itemize) for money you contribute to your HSA.
You can deposit up to $3,050for an individual HSA or up to $6,150 for a family
account, but there is no minimum deposit requirement. Whatever you deposit
by April 15 is an "above the line" tax deduction.
Use
what you save on taxes and premiums to build your HSA in case you ever need to
meet the deductible. Preventive health care is already 100 percent covered
with no deductible. Instead of paying an insurance company a high premium
for services you may not need, an HSA gives you the choice to invest in your future.
Let
your savings grow tax free as a retirement fund and, unlike standard IRAs, the
money remains accessible to pay for a wide range of health care. You can
withdraw funds at any age to go to the dentist or chiropractor, for acupuncture
or homeopathy, or for many services that insurance rarely covers. Of course,
you can use your HSA for doctor and hospital bills, too.
In
fact, you can use your HSA to pay for qualified health care for your spouse, partner,
or a dependent even if they are not covered by your policy.
From
experience, I’ve see how important health insurance is even when you’re
healthy. I had a client who considered terminating his insurance. One
day he stepped in a bed of rattlesnakes while hiking in the Rocky Mountains. Even
with multiple bites, he managed to walk for help and survived. His hospital bill
was over $150,000, though. With his HSA Plan, he only had a $2,500 deductible
followed by 100-percent coverage. After paying just $2,500 for a $150,000
bill, he never thought about cancelling again.
I
enjoy working with ColoHealth
or because I like the integrity of this company. It gives me a terrific
platform to do what I love – help people. A business should operate
with the highest level of integrity and always do what is best for the client.
I think you should treat everyone as the most important person you talk
to each day. The motto I try to live by is always do the right thing and
do it with excellence.
I
look forward to the chance to help you and your family get the most from your
health insurance coverage.
