Our office is gearing up for the 2019 Open Enrollment season and you need to get ready as well!
​Remember, Open Enrollment for Individuals starts November 1, 2018 and ends December 15, 2018. 

DO I QUALIFY FOR A SUBSIDY?

Here are a few things you will need you to have prepared for our phone call:
  • 2019 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 2017 tax return? Your 2017 taxes MUST have been filed to qualify for a tax credit in 2019.
  • ​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
$16,753
$48,560
2
$22,715
$65,480
3
$28,676
$83,120
4
$34,638
$100,400
5
$40,600
$117,680
6
$46,561
$134,960
7
$52,523
$152,240
8
$58,484
$169,520

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.

Get in Touch With Us