We know that health insurance can be confusing, and the constant debate over health care reform has not helped to ease the confusion in recent years. But the overall structure of the individual market will be roughly the same in 2021 as it was in 2020.
No two plans are the same, and coverage options change from year to year. The good news is there are tools available to compare plans so you can choose the one that’s best for you and your family. We can assist you so you find the right plan for you. We have vast experience guiding people through the process of researching and enrolling in health plans, and can provide ongoing support after the plan is purchased.
What if I already have coverage? Should I let my existing health plan renew for 2021?
In most cases, yes, assuming your plan will still be available next year. However, no matter how much you like your current plan, it pays to shop around during open enrollment and see if a plan change is worth your while.
Where can I see the plans and prices? you can check the plans at https://www.healthcare.gov/see-plans/#/ just enter your zipcode and see the estimated prices before you log in.
What if I don't want health insurance?
If you don't sign up for health insurance during the open enrollment period, you may have to wait an entire year to sign up. The exception is if you have a qualifying life event that would spark a special enrollment period. Something important to remember: You no longer get penalized at tax time for not having health insurance. Congress eliminated that mandate's tax penalty.
Can I qualify for financial help?
Whether you are renewing your plan or signing up for health coverage for the first time, you may qualify for financial support. Thanks to financial help, nearly nine out of ten people who sign up for a plan in the ACA Marketplace are eligible to receive financial help, including tax credits, to lower the cost of their premiums
Open enrollment will run from November 1 to December 15 in most states, and it's your opportunity to sign up for a plan if you're eligible. So if you know someone who buys their own health insurance, spread the word! We can help.