We are gearing up for the 2021 Open Enrollment season and you need to get ready too!
2021 ​Open Enrollment for Individuals begins November 1, 2020 and ends December 15, 2020. 
Note: Many clients are receiving information from Blue Cross about 2021 premiums for their current plan. Any premium increase they send you is based off of your 2020 information. The rate increase they are sending may not be accurate.

DO I QUALIFY FOR A SUBSIDY?

Here are a few things you will need you to have prepared for our phone call:
  • 2020 estimated household income. Make sure to include every person that is on your tax return.
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?​​
  • Have you filed your 2018 tax return? Your 2018 taxes MUST have been filed to qualify for a tax credit in 2020.
  • ​Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?

FPL Chart

Household Size
Minimum Income
Maximum Income
1
$17,609
$51,040
2
$23,791
$68,960
3
$29,974
$86,880
4
$36,156
$104,800
5
$42,338
$122,720
6
$48,521
$140,640
7
$54,703
$158,560
8
$60,886
$176,480
9
$67,068
$194,400
10
$73,250
$212,320

HERE ARE YOUR OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • ​Tax credits available to those who qualify

HEALTH CARE MINISTRY SHARING PLANS

  • Substantial cost savings (40%-60%)
  • Alternative to traditional insurance - these are NOT insurance plans

ACCIDENT, CRITICAL ILLNESS & GAP PLANS

  • Bridge the gap in the high deductible plans

SHORT TERM PLANS

  • Substantial cost savings (40%-60%)
  • Scaled down coverage without all of the ACA requirements (maternity, preventative, etc.)​
  • ​Great for those who are super healthy and not concerned with covering pre-existing conditions

HUSBAND/WIFE GROUP PLANS

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • More cost effective than Individual plans
  • Affordable PPO network options available

WARNING:
​DO NOT GO TO HEALTHCARE.GOV ALONE

Health Insurance is so complicated and confusing. If done wrong, it WILL mess you up for the rest of the year.
​Please let our team of professionals help guide you to the best option for you and your family at NO ADDITIONAL COST to you.