Community Submission: Health Insurance Open Enrollment begins Nov. 1st
By Christopher Levesque
Open Enrollment ONLY comes once a year, November 1st through December 15th, 2017 for a plan effective date 01/01/2018. If you do not enroll in a QHP (qualified health plan) at this time you will not be able to enroll in an individual health plan in 2018, unless you have a “special enrollment period”, ie. loss of employer group coverage.
If you currently have an individual or family health plan you probably have some questions and concerns.
- What will the cost be in 2018? Can I change my plan?
- How do I apply or renew my coverage through the Federal Marketplace?
- Can I qualify for a Federal Tax Credit?
- What is the best plan for me or my family’s needs?
If these questions seem overwhelming to you, here is some information that might be of help.
If you purchased your plan directly from a carrier, that carrier will be sending you renewal information. This information will be detailing any plan changes and increase in costs. If there is a plan change, the carrier will provide you options on what plans are available to move to and the timelines to make that decision. Please be aware most carriers are changing their provider networks. If you want to make changes, you must make the change during Open Enrollment.
If you purchased through the Federal Marketplace, regardless if you are receiving subsidy or not, you will be required to recertify, update your projected income for 2018, and re-enroll into a health plan for 2018 during Open Enrollment.
Open Enrollment is here, don’t miss your opportunity to enroll or make changes!
Christopher Levesque with Insurance Partners NW has been helping individuals and families with their health care needs since 2003. Contact Christopher at: Christopher@InsurancePartnersNW.com