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    Healthcare Open Enrollment

    Posted: October 21, 2016
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    Many have asked about Healthcare Open Enrollment.  Although all of the information is still not fully released, below is what you can expect thus far.

     

    1. Open Enrollment starts November 1st and continues through January 31st.  If you want or need to change your policy by January 1st, we MUST do so by December 15th.
    2. Land of Lincoln closed as of 10/1/16.  A special election period has been opened up for those that were affected by their closing.  During this time you can enroll in a new plan.
    3. UHC and Harken Health will no longer offer individual plans as of 12/31/16.  Anyone affected by this change will need to enroll in a new plan by December 15th.
    4. Out of Pocket Maximums have increased from $6850 to $7150 (the out of pocket max varies per plan.  The maximum allowed on ANY plan is $7150).
    5. At this point, the remaining carriers are Blue Cross Blue Shield, Health Alliance, Am Better, and Cigna.
    6. Plans purchased before 2014 are still being extended through 2017. 
    7. If you are happy with your plan you do not need to do anything.
    8. *If you are receiving a subsidy (aka assistance) I strongly recommend that you verify the income information that was originally reported.  You may actually qualify for additional assistance!
    9. *Any changes/new enrollment done by December 15th will take effect January 1st.  Any changes/new enrollment done after December 15th will take effect February 1st.
    10. Carriers have opted to remove or reduce the commissions paid to agents.  This will force me to charge a fee for the coming year.  I am still working out the details of what that fee will be and will update you accordingly.

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