Open Enrollment – Nov. 1st – Dec. 15th. You must purchase your health insurance during the annual open enrollment. Click for Special Enrollment.
Tax Credit – You may be eligible for a tax credit through the Health Insurance Marketplace to help off-set high premiums. Use the Subsidy Calculator provided by the Health Insurance Marketplace to determine your eligibility.
Individual Mandate – The individual mandate has been repealed for 2019 and beyond. There is no penalty for not having health insurance.
Pre-existing conditions – You can’t be charged more or denied coverage because of a pre-existing condition.
Per the Affordable Care Act, you must purchase your health insurance during the annual open enrollment:
NOV 1st to DEC 15th
Miss the deadline? Click for Special Enrollment
An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
An HSA is a tax-advantaged bank account tied to certain high-deductible health plans. It allows you to use tax free dollars to pay for allowable health expenses, such as copays, prescription drug costs and more.
When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. We suggest you the Marketplace Subsidy Calculator to see if you qualify.
A Christian-based health plan wherein members share each other’s eligible medical bills. There are different options for different budgets, as your monthly share is based on your family’s household income. Unlike a private carrier or the marketplace, open enrollment is year round.
Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. In the past, short term plans have been available for up to three months, but new federal guidelines allow for plans up to one year, and are renewable for up to three years. The great thing about short term plans are they are generally less expensive than traditional health insurance, however, they do not provide full coverage and they typically do not cover pre-existing conditions.
While traveling, your regular health plan only covers a fraction of medical costs, if the need should arise to seek medical attention. Don’t go without coverage. Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.