Understanding Your Options with Marketplace Health Insurance
With the Affordable Care Act of 2014, everyone in the United States is required to have healthcare coverage for themselves and their family members. You may have questions about Open Enrollment for 2017, including your responsibility, available coverage, cost, or enrollment. We offer free consultation to answer your questions and to help you enroll for the insurance coverage you need.
The first thing you need to know about individual healthcare is that Open Enrollment occurs once a year from November 1st through January 31st (unless you have a qualifying event called a Special Enrollment Period). If you are under 65 and do not get health insurance during these times (and you are not participating in an employer’s medical plan), there is a government penalty. The penalty for 2017 and beyond will remain at 2.5% of household income, or $695 per adult*, whichever is the greater amount. *The flat fee will be adjusted for inflation.
If you already have insurance through the Health Insurance Marketplace (healthcare.gov), you will be required to recertify your income during this enrollment period to establish your subsidy for 2017.
You may have heard that Blue Cross and Blue Shield (BCBS) is the only provider for individual health insurance in participating in the Marketplace for North Carolina in 2017, but did you know that you have options?
We offer free individual health consultation for you during enrollment. Whether you are being mapped to a Blue Cross plan from United Healthcare (UHC) or Aetna, changing a Blue Cross plan, or are coming to the Marketplace for the first time, we can provide you practical options and help you decide which is best for your financial and medical needs.
We can often help you discover a more affordable health plan for your needs, whether it is knowing which plan can work for you or determining whether you qualify for a subsidy.
Make an Appointment
If you would like to set up an appointment to meet with a Licensed Health Insurance Agent in the office, please give us a call or click the link below to send us an email. We are happy to help you through the process!
To obtain health insurance with Blue Cross and Blue Shield through the Marketplace, there are some documents you will need to complete your enrollment.
