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In brief, you should know the following about us: Our company was established in 1988 and has been responsible for providing insurance and financial services in Arizona and New Mexico ever since. Our specialty is in the area of Individual Insurance Planning and Employee Benefit Plans. Our regular customers particularly value our expertise, sincerity and hard work.

KLB Insurance & Financial Services is located at 405 N. Beaver St. Suite #8 Flagstaff, AZ 86001. Hours are by appointment only.

Health Insurance and The Health Insurance Marketplace.

Here at KLB Insurance we are ready to help you. Leslie Barton is certified by the Centers for Medicare and Medicaid Services to assist people with purchasing health insurance through the Health Insurance Marketplace or directly through a medical insurance company. Leslie has the expertise and valuable experience to aid you in navigating the market place, purchasing health insurance through the market place and obtaining a federal premium subsidy to help pay for your insurance if you qualify.

The Patient Protection and Affordable Care Act

We know many of you have questions about what the health care reform legislation contains and how it will impact you. We are working hard to provide you with the information and tools you need to better understand the changes and how together we will move forward.

Get In Touch

Ready to connect? Have a few questions?

Please contact our office directly to schedule an appointment.

leslie@klbinsurance.net (928) 774-8106

The fee for not having health insurance.

If you can afford health insurance but choose not to buy it, you must pay a fee called the individual shared responsibility payment. (The fee is sometimes called the “penalty,” “fine,” or “individual mandate.”).

The fee for not having health insurance for 2016:

The fee is calculated 2 different ways – as a percentage of your household income, and per person. You will pay whichever is higher.

Percentage of Income

  • 2.5% of household income
  • Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace.

Per Person

  • $695 per adult
  • $347.50 per child under 18
  • Maximum: $2,085