Open Enrollment 2019

​Open Enrollment for Individuals starts ​
November 1, 2018 & ends December 15, 2018.

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​Here are a few things you will need 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?

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HERE ARE THE OPTIONS THIS YEAR

MARKETPLACE (ACA) PLANS

• Pre-existing conditions covered
• Guaranteed Issue (No underwriting required)
• Tax Credits available for 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
  

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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.

schedule your appointment