Health Insurance Plans and Quotes

 

Looking to compare health plans?

The Open Enrollment Period ends January 31, and penalties for not having Health Insurance are going up again. Enter your name and email into the access box, and within seconds, you can compare plans and see premiums and subsidy discounts that are customized to your unique situation. There is no obligation to purchase any plan, and your information is protected. Try it now!

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Frequently Asked Questions

 

Q. How does it work?

A. Simply plug in a few simple facts about yourself (age, salary, zip code, dependents) and the site will present you with a list of health insurance plans with estimates of any subsidies that you qualify for, as well as a list of plan price quotes and their details. You can then choose whether you want to purchase one of the plans, or if you want to explore other options or speak to a human, you can click to reach one of our specialists who will answer any questions you may have about your own specific situation. If nothing meets your needs, you can simply choose to do nothing further and that’s the end of it. It’s fast, and simple.

Q. Am I obligated to buy?

A.  No.  We want everyone who is looking for individual health insurance to have the chance to shop multiple carriers quickly and easily, without wading through complex websites. Insurance is complex enough, we’re just trying to help make comparing estimates, simpler.

Q. What about government subsidies?

A.  Our comparing tool will help determine any subsidies that you qualify for, based on the information that you plug in. If you qualify for any subsidies, the amount will be shown right on the screen and factored into the estimates of all your health insurance plans.

Q. What if my living situation is complex?

A. Many people have non-standard dependent situations that can be confusing when it comes to determining subsidy amounts. In this case, we suggest reaching out to one of our experts who can more quickly help you wade through the options available to your personal situation during a no-obligation phone call.  Feel free to click the contact button in our estimation tool, or call us at 800-849-1921.

Q. I need insurance, can I just buy it whenever?

A. This used to be the case, but is no longer. Now, the only times that someone can purchase health insurance is either during the Open Enrollment period, or if they have a Qualifying Life Event (QLE).

Q. When are the Open Enrollment dates for coverage year 2016?

  • November 1, 2015: Open Enrollment starts — this is the first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016.
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period with a Qualifying Life Event.

Q. What is a Qualifying Life Event?

A. Qualifying Life Event (QLE) qualifies you for a Special Enrollment Period, which is a time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.  If you have a question about whether you qualify for a Special Enrollment period, contact us at 800-849-1921.

Q. My job offers insurance coverage – can I use this tool to shop for a different plan?

A.  If you have one of many job-based health insurance plans and want to explore Marketplace coverage options you can. But there are several important things to know. With most job-based health insurance packages, an employer pays part of your monthly premiums. If you pick a Marketplace plan instead, the employer probably won’t contribute to your premiums. You should consider this carefully before comparing Marketplace plans. If you decide to check out Marketplace plans, be aware that you may not qualify for premium tax credits and other savings that can lower the cost of your health coverage. This may be true even if your income would qualify you otherwise. Whether you qualify for savings depends on the coverage the employer offers. You won’t be able to get lower costs if your job-based coverage is considered affordable and meets minimum value. Your employer can tell you if the insurance plan it offers meets minimum value, and can provide you with information to determine if the plan is considered affordable to you.

Q. What is covered under these plans?

A.  The Affordable Care Act ensures health insurance plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits. Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.

Q. What if I have other questions?

A.  That’s what we are here for! Feel free to reach out to us at any time with questions at 800-849-1921.