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. 

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.