It is time to evaluate your options and make changes on your individual health coverage. If you have an individual health policy in place right now, you may have heard from your own carrier that there are going to be big changes. Although most carriers have not let you...or I know what those changes are, we are hearing that the networks of doctors and hospitals available under PPO and HMO plans are going to be significantly affected. The benefits under your policy might also be changing.
We are here to help you explore all of your options with your needs and priorities in mind. You have from November 1, 2015 to January 31, 2016 to modify or enroll in new coverage.
Some people might be able to keep their plan as is. If you have a “grandfathered” plan, you are able to keep it and its benefits but Open Enrollment is still the only time that you can make adjustments to coverage.
You might be eligible for help paying for your coverage through the Affordable Care Act’s premium subsidy. To see if you qualify for a subsidy, complete the estimator by Clicking Here.
If you decide to put your head under the covers and pretend it will all just go away by going without coverage - you might not only be faced with monstrous medical bills, but also with a penalty for failing to secure qualified coverage.
The toughest part of this entire process is deciding which plan best suits your needs - and we are here to guide you!
Remember that the critical dates for Open Enrollment are November 1, 2015 - January 31, 2016