Each year you’re required to take some action in terms of your health insurance. Under the Affordable Care Act (ACA – or also called Obamacare), you are obligated to renew your policy or to change plans. If you don’t have insurance, you’ll be signing up for the first time.
The Open Enrollment Period is quickly approaching and you need to be up to date on the latest for 2018.
Whether you’re a newbie who needs coverage for the first time, you need to update your policy, or even if you want to keep what you have, you’re in the right place!
Your health is important and you need correct information from a trusted health insurance advisor to help you navigate the purchasing process. It’s the best way to ensure your new policy meets your needs and fits your budget – and that you’re not overpaying.
Don’t be a one-man-show when you’re enrolling for the first time. There’s a lot of confusing information that you’re probably not equipped to deal with on your own. Seek the help of an expert to guide you through the complicated details of health insurance policies.
But you need someone you can trust. With an expert coming alongside you throughout the whole process – from beginning to end – taking you through all of your options and clarifying difficult concepts and complex policy language in a way you can understand, you’ll be able to purchase a policy with confidence.
Your questions are valuable. Keep asking them until you’re confident that you have all the facts you need to make a well-informed choice about topics like:
Anytime you have a question about your policy or a claim, you can give your independent insurance expert a call.
You deserve consistent, high-quality service. And by working with an independent advisor, you’ll be able to speak to the same person each time you call – because building relationships is important to your local team. And it’s also the best way to ensure your and your family’s needs are being met.
The Open Enrollment Period is shorter this year than in years past, so make sure you don’t let it roll on by without taking any action!
You need to review your health insurance coverage, because:
Before you make a change on your own, consult a professional who can help you reassess your unique situation.
Remember: Open Enrollment is from November 1, 2017, and runs through December 15, 2017. Now’s the perfect time to schedule a free no-obligation quote so you can be confident about the policy choices you’re making.
Here’s what you can do during the health insurance open enrollment period:
When you purchase your health insurance plan during the Open Enrollment Period, your coverage will start on January 1, 2018.
That depends. Certain life events qualify you to purchase health insurance at any time of the year.
Some qualifying events are:
Obtaining health insurance is a requirement. If you don’t secure a plan during open enrollment and you don’t qualify for the special enrollment period, you could face a tax penalty.
These are the penalties you’d be looking at in 2018:
This is why it’s so important for you to purchase your insurance during the Open Enrollment Period. If you simply can’t purchase during this period or you miss the deadline, it may be time to consider other options such as:
It’s possible that you qualify for financial assistance through health insurance tax credits. A tax credit is the amount of money you can subtract from the taxes you owe to the government.
A knowledgeable advisor can help you determine if you qualify or not. Your eligibility will be determined by your family size and household income.
Amidst all the talk of the Open Enrollment Period, you may be wondering if you’re among the Americans who need to enroll.
Here’s a rundown of who should be signing up for health insurance during the OEP:
Once you’ve worked with an expert to find the health insurance policy that’s best for your situation and your budget, you’re ready to tackle the actual enrollment process.
You have three options:
You’ve been given the information you need to make wise choices during the current Open Enrollment Period (Nov. 1, 2017-Dec. 15, 2017).
Making smart choices about your healthcare is only a phone call away.
Give us a call today and let us put our extensive knowledge and solid reputation to work for you to ensure that you purchase the right-fit policy for your needs at an affordable price.
Which category are you in: a newbie, already-covered-but-reevaluating, or changing plans?