2020 Open Enrollment

***Please make sure to set your appointment so that we can update your application. The premium increase from Blue Cross is too high, we can help lower it!***

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Remember: The 2020 Open Enrollment period for Individuals purchasing health insurance (outside of an employer) is November 1, 2019 through December 15, 2019

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Here are a few things you will need you to have prepared for our phone call appointment:

• 2020 estimated household income. Make sure to include every person that is on your tax return. W2 salary, Self-Employed salary, Retirement, Social Security, Investment Income, etc. 
• Who will you claim on your 2020 tax return? Spouse? Children? Step-Children?
• Married? As a reminder, you must file a joint tax return with your spouse to get the tax credit.
• Does your employer or spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?
• ​Does your income fall between 138% and 400% of the FPL (below) according to your tax size household?

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WHAT IF YOU DON'T QUALIFY FOR A SUBSIDY (TAX CREDIT)?

If you don't have access to employer sponsored insurance and don't qualify for a subsidy, we can discuss a few other options to avoid the high cost of those ACA plans.

Super Healthy and don't need coverage for Pre-Existing Conditions?

• Short Term Medical Insurance
• Health Care Sharing Plans (Faith Based Sharing Options)

Need Pre-Existing Coverage or Guaranteed Issue Plans?

• If you need pre-existing coverage, your only option is an ACA plan or group plan
• Husband / Wife Group plans with qualifying LLC

Husband / Wife Group Plans

Do you own a business? An LLC? If you and your spouse are named on the Business Paperwork as co-owners, managers or members of the LLC, we can discuss a Group Plan for you.

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WARNING
​ Do not go to Healthcare.gov alone!

Health Insurance is complicated and confusing, and if done wrong, it has the potential to cause chaos for you and your family. Our services are FREE and our agency is among the ELITE Circle of Champions with HealthCare.gov so please let our team of professionals help guide you to the best option for you and your family. Plus, you have access to us all year long! We help with everything and we're happy to do so!

SCHEDULE YOUR APPOINTMENT