Allied Health Insurance Agency

Individual Health Insurance Decisions

Feeling overwhelmed by complicated individual health insurance decisions?

Let an Allied Health Insurance Agent help you today with a free, no obligation consultation/quote!

As a result of the Affordable Care Act, there have been many changes to the individual health market. Most notable are:

• Open Enrollment: Individuals may sign up for health insurance or make changes to their existing plan each year during open enrollment. If you miss the open enrollment deadline, you may have to wait until the following year to get health insurance unless you qualify for a special enrollment period (SEP). Call us – An Allied HIA agent will help you determine if you qualify for a SEP.
• 2014 Open enrollment ended March 31, 2014
• 2015 Open enrollment is November 15, 2014 – February 15, 2015 for plans beginning as early as January 1, 2015.
• Qualifying Life Events for a SEP include, but are not limited to: marriage, divorce, having a baby, adopting a child, moving or gaining residence, gaining citizenship, leaving incarceration, or loosing other qualified health coverage (voluntary loss of coverage does not qualify).
• No Medical Underwriting: This means Insurance Carriers can no longer deny, exclude, or rate up because of current medical status or pre-existing conditions!
• Subsidies may be available to help pay premiums or for cost sharing benefits to lower your deductible and/or co-insurance. Eligibility is based on annual household income and number of people in the household.

Allied Health Insurance Agents are certified to offer health plans on or off the Marketplace. This means more choices for you!

• Off Marketplace plans are simply plans issued directly through one of our many health insurance carriers.
• Some carriers also offer plans on the Marketplace. Only Marketplace plans are eligible for subsidy or cost sharing benefits. If you would like to see if you qualify for a subsidy to help pay your insurance premiums, or for cost sharing benefits to lower your deductible or co-insurance, we will help you with that process.

Here are some other important things to consider when choosing a health plan

• Are your doctors in network?
• Are your prescription drugs on the formulary for the plan you are considering?
• Does the plan design fit the needs of you and your family?
• Are the deductibles acceptable?
• Are the copays acceptable?
• Is the co-insurance acceptable?
• Is the maximum out of pocket expense acceptable?