Your Health Insurance Team

Meet Andrew
Andrew Kaiser
Director of Health & Benefits
Meet Lori
Lori Alala
Health & Benefits Consultant
Meet Jerrica
Jerrica Starnes
Health & Benefits Consultant
Meet Megan
Megan Johnson
Health & Benefits Consultant

Understanding Your Options with Marketplace Health Insurance

The Affordable Care Act requires everyone in the United States to have healthcare coverage for themselves and their family. You may have questions about Open Enrollment or whether you might qualify for a Special Enrollment Period (SEP). Therefore, we offer free consultation to answer your questions and help you enroll for the insurance coverage you need.

Annual Open Enrollment for individual health insurance occurs from November 1st through December 15th. If you already have insurance through the Health Insurance Marketplace, you are required to recertify your income during this time to establish your subsidy. Anyone under 65 who does not have health insurance through the Marketplace, a private plan, or an employer is subject to a government penalty. The penalty for 2017 was 2.5% of household income, or $695 per adult, whichever was the greater amount.

Learn More on our Blog

Health and Benefits Department a division of

individual health insurance agents

How We Can Help You

We offer free individual health consultation for you during enrollment. Are you changing a Blue Cross plan or are coming to the Marketplace for the first time? We provide practical options and help you decide which is best for your financial and medical needs. Often, we can discover a more affordable health plan. We assess which plan can work for you and determine whether you qualify for a subsidy or a cost-sharing reduction. Finally, to obtain health insurance with Blue Cross and Blue Shield through the Marketplace, there are some documents you will need to complete your enrollment.

What Do I Need to Bring?

Make an Appointment

We are happy to help you through the enrollment process. Please set up an appointment with a Licensed Health Insurance Agent through our calendar below.



Email or call a Health Insurance Agent at (828) 328-5671 to learn how we can help you manage your Health Insurance needs.