Health Insurance Open Enrollment is here, don’t Miss Out!
Now through January 15th of 2024, you have the opportunity to enroll into or change your current individual plan. Changes made by December 15th are effective January 1st 2024 and changes made by January 15th are effective on February 1st 2024.
This will be your only opportunity to enroll or make changes for 2024 unless you have what is called a “qualified event”.
There are 2 ways to purchase a plan:
- Direct from the carrier
I can help you with both. The benefit of purchasing through Healthcare.gov is you may qualify for an applied premium tax credit or another term a premium subsidy. This is still the ACA (Affordable Care Act), better known as Obama Care. Whatever you call it, I’ve seen how it helps individuals and families afford health care.
Short Term Medical plans: Another option for some people is Short Term Medical plans. They are less costly, but a STM plan does not cover any “pre-existing” conditions.
For 2023, the big four carriers have not changed. They are Providence, Kaiser, Moda and PacificSource. Each offering individual plans in their very specific Provider networks.
If you have favorite doctors, make sure they are in network, because these plans do not offer out of network coverage.
Don’t miss out! I still have people call in throughout the year wanting to purchase an individual health plan and I must tell them NO. It’s heart breaking to tell people enrollment ended in January. The only way to enroll during the year is if there is a divorce, marriage, job loss or what is known as a “qualified event”.
Christopher Levesque with Insurance Partners NW has been helping individuals and families with their healthcare needs since 2003. To set up an appointment, call (503) 372-5621 or visit his website www.insurancepartnersnw.com