Open Enrollment ended on December 15th, 2018. You will not be able to enroll in a Marketplace plan again for the 2019 plan year without a Special Enrollment Period. However, this does not mean you do not have options to get healthcare in 2019.
There are several options for people who missed the deadline. One of the main options is a short-term medical plan. These plans used to only last for three months. However, in August 2018 the rules changed and, in most states, the plans now last for up to 12 months. This is a great option for people who missed the Open Enrollment deadline.
There are other issues that may prohibit someone from buying a short-term medical plan. For those people, I recommend downloading our Free Healthcare Resources Guide. This is a brand new resource we are making available for free that tells you how you can save thousands of dollars on healthcare and prescription costs with or without insurance.
This is just one of the ways we are working to help you and your family save money on healthcare costs. Please give us a call today at 1-888-630-3826 to see how we can help you and your family this coming year on healthcare.
December 11, 2018
Mount Hermon, KY – David Taylor Jr. has been recognized for his hard work and expertise in helping consumers enroll in and manage qualified health coverage through the Health Insurance Marketplace.
This nationwide recognition from the Centers for Medicare & Medicaid Services (CMS) as a member of the 2019 Marketplace Circle of Champions highlights David Taylor’s success in enrolling consumers during this Open Enrollment Period.
“Consumers turn to agents and brokers for trusted advice and guidance in selecting plans, enrolling in coverage, and managing their health insurance policies throughout the year,” said Randy Pate, Director of Center for Consumer Information & Insurance Oversight (CCIIO) operation within CMS, which oversees the Marketplace. “We thank David Taylor for his hard work and exceptional service in helping Americans get coverage.”
The Marketplace Circle of Champions program recognizes the hard work, expertise and service of Marketplace-registered agents and brokers. Agents and brokers large numbers of consumers qualify for the Marketplace Circle of Champions.
Eligible consumers can enroll in Marketplace coverage during this year’s Open Enrollment Period, which runs November 1 – December 15, 2018. Consumers with questions about their coverage or who would like help enrolling, can contact David Taylor at 1-888-630-3826.
Today is the last day for open enrollment for 2019. If you do not select a plan by midnight tonight, you will not be eligible to receive subsidies for 2019 without a special circumstance.
Don’t miss out on your opportunity to select from the maximum number of options for your health coverage in 2019. Call today 1-888-630-3826!
Can I save money?
Every year Open Enrollment for the Affordable Care Act, also known as Obamacare, starts in November and people always ask what is the cheapest plan they can get? The answer is, it depends!
The Affordable Care Act allows for certain individuals to receive subsidies based on income levels. However, you must first meet a certain income level before you are allowed to receive a subsidy. What does this mean?
For an individual, you must make at least $16,000 per year to receive subsidies in many cases. More information can be found at healthcare.gov about specific income levels.
Is there a downside to subsidies?
As with most things, there are caveats to subsidies. At the end of each year, your subsidy level will be compared to your IRS Tax Return to make sure that you actually qualify for the subsidies you received during the year for healthcare. If your income level is higher than what you reported on your application, you will owe money back to the government for the subsidies that you did not qualify for. This can be fixed by making sure you update any income levels that may change during the year to keep your subsidies and premiums at the proper amount.
How Can I Get Help?
We are here to help you during Open Enrollment as well as the entire year. Our team can help you determine if you are eligible for a subsidy, apply for insurance, and help you keep everything updated throughout the year. To get help, book an appointment using the button below. Or request a free quote, we are happy to help!
Open Enrollment for 2019 begins today. During the next 45 days, you can sign up for any insurance plan on the Healthcare Marketplace without the need for a special enrollment period.
Our team is standing by to help you with this process. Why should you talk to an agent?
- Healthcare is complicated. An agent can help you understand the laws, coverages, and other things about health insurance that impact your life.
- Agents have access to more plans. An agent can help you find the best insurance at the best price. They are professionals and have quick access to all of the plans to find you the best coverage.
- Agents can help you after the purchase. An agent can help with claims and additional things that come up with your insurance carrier throughout the year.
Schedule an appointment today to speak with David during Open Enrollment about how you can get the best bang for your buck in 2019!
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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It is finally here, Open Enrollment 2018!
Tomorrow you will be able to enroll for insurance plans under the Affordable Care Act for the 2018 plan year. Here is what you need to know:
- Open Enrollment lasts from November 1st to December 15th in most states.
- Premiums have increased in most areas. We have actually spoken to consumers who have been told their premiums are increasing by 50%.
- Deductibles are also going up.
There are ways to offset these new costs or eliminate them altogether. However, you will need a licensed agent to help you navigate these changes.
Our team is standing by and ready to assist you with these changes. Please call 1-888-630-3826 or schedule an appointment.
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