If you have missed the open enrollment period for the Healthcare.gov marketplace that does not mean you cannot get insurance coverage for 2018. There are many options to get coverage for the New Year, including avoiding the 2018 ACA Penalty.
Because you missed the deadline you do not have as many options and will not be eligible for a subsidy but you can get affordable coverage by contacting an agent/broker to assist you with a plan.
Our company has plans available that will satisfy the ACA law requirements for coverage and get your comprehensive coverage for the 2018 plan year.
Get a quote today!
2018 Open Enrollment is in full swing and everything is running smoothly so far. It is not too late to get coverage for 2018 but time is running out.
Open Enrollment was cut from 90 days down to 45 days this year and ends on December 15th in most states. There is also no word on when changes will be made by CMS and HHS regardign the Executive Order the President signed in October.
That means, if you want a solution that is long term you need to act now!
The problem is that deductibles are high with the ACA plans for many Americans. That is ok, you can get a supplement to offset those costs.
Feel free to contact us to get a quote today!
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2018 prices for the Affordable Care Act are now available. The Open Enrollment period starts on Wednesday and there are still many questions about regulations and any new laws or orders that would impact everyday Americans.
Our team is here to help you navigate all of those issues and to get the coverage that you and your family needs for 2018.
Schedule a Free Consultation today.
Our team will not only help you with your major medical insurance, we will also help you find your ancillary products as well (Dental, Vision, Supplements).
Why Would I Want A Supplement?
Prices for Obamacare plans are already high in most cases, and even worse, the deductibles and max out of pocket costs are high as well. A supplement can help offset those costs if something major were to happen.
Here is an example:
If you take the lowest plan available in your state in order to keep premiums low you will have a high deductible and, in many cases, even higher out of pocket costs. Imagine that you have a catastrophic event such as needing an emergency surgery. You are now on the hook for what is likely to be over $7,000 before the plan pays anything for you.
A supplement, which is usually a minimal charge per month, will actually pay that out of pocket expense for you so that the plan begins to cover everything for your healthcare for the rest of the policy year. These can be vital for families who would not be able to afford a catastrophic event with their healthcare.
Be sure to schedule a consultation today. Open Enrollment has been shortened this year to only 45 days so time is of the essence!
With the 2018 Open Enrollment period now only one week away many people are asking what has changed for 2018 with regard to their health insurance?
The simple answer is nothing much has changed. The main changes for the way 2018 will operate is that premiums are going up virtually across the board and some carriers have pulled plans out of certain states. Those are the main changes.
There are several bills in the Senate that are taking shape that would change some of the healthcare laws and regulations but, so far, the Senate can’t seem to agree on what should be done to repeal and/or replace Obamacare.
The IRS also recently announced that they will no longer process tax returns for 2018 that do not answer the question about health insurance. However, in many cases, the “penalty” is much less than the premiums would be under Obamacare compliant health plans.
So what are your options?
Short Term Medical Plans
- These plans currently go in 3 month increments but are substantially cheaper than their Obamacare counter parts.
- These plans do not cover pre-existing conditions so you need to be mindful of that if considering one of these plans.
Exchange Affordable Care Act Plans
- These plans run for 1 year.
- Certain people are eligible for subsidies if they are under a certain income threshold.
- Cover Pre-existing conditions
- Many of these plans limit the doctors that you are allowed to see and do not provide out-of-network coverage. Check with a licensed agent in your state to verify your doctors before purchase.
- Because of mandated coverages, these plans tend to be more expensive as you are paying for things you do not need.
- Supplements can help out of pocket expenses with either of the two major types of medical plans. They can help pay for deductibles and out of pocket costs in the event something catastrophic were to happen.
- Generally inexpensive.
To talk to an agent for a free consultation use the following link:
Schedule a Free Consultation