Compare Health Insurance Quotes & Coverage

Health Insurance Open Enrollment for effective dates in 2022 begins November 1st, 2021 and runs through January 15th, 2022. Insurance purchased by December 31st will be effective January 1st, 2022.

Insurance purchased January 1st-15th will be effective February 1, 2022.

You can still purchase health insurance outside of this Open Enrollment window if you’re experiencing a Qualifying Life Event. For all others, short term health insurance plans are an alternative to bridge gaps. If you’re not sure of your options, contact us to discuss your best path forward.

Not only has the Open Enrollment window been extended this year, but tax credit eligibility has also increased. This means more people will qualify for lower health insurance rates on the Federal Marketplace.

These savings apply to those who expect to make between 100-400% of the Federal Poverty level based on the size of their family. Your estimated income for this year determines your subsidy. If your income looks to be significantly different, then it’s imperative that you report that to the Marketplace. We can help.

And certain applicants will also qualify for cost sharing reductions on their chosen health insurance as well. This means your out-of-pocket costs like deductibles, coinsurance and copayments will be less. Plan premiums and out-of-pocket exposure will be less the closer you are to 100% of the Federal Poverty Level. It’s based on a sliding scale.

If your estimated household income is less than 100% of the FPL, you may qualify for Medicaid. You can inquire with your State officials about Medicaid eligibility.

If you are outside of open enrollment, proof of a a qualifying life event is necessary to buy insurance on the Marketplace. There is a long list of qualifying life events that qualify – view the list here. If you are involuntarily losing creditable health coverage, you can buy insurance on or off the Federal Exchange.

The Exchange/Marketplace is the best place to go if you qualify for a tax credit based on your income – or you have preexisting conditions. There is no medical underwriting and your premiums will be much less if your below certain income thresholds.

On the exchange, we work with several insurance companies, including:  Ambetter, Anthem BCBS, CareSource, Cigna, Bright Health, Health Net, Humana, Medical Mutual of Ohio, Molina, Oscar, and a few others.

If you are not experiencing a Qualifying Life Event, then purchasing a short term health plan may be your only option. We work with several insurance companies that offer short term policies, including: Anthem Blue Cross and Blue Shield, Aetna, Medical Mutual, United Healthcare and many others.

Learn How To Compare Plans & Enroll Today

The Affordable Care Act has changed the way we buy insurance. In some areas there are fewer options with smaller networks. If you’re losing group insurance, then you may be finding this out for the first time.

Most plans sold on the Exchange are HMOs. This means you must stay in their network to receive care. If you are outside of the network for anything other than an emergency, you might be responsible for the entire amount.

PPOs are still available from many short term providers. In fact, some of our clients are buying short term plans that last for two to three years.

There is not a right or a wrong way to buy health insurance for yourself or your family, but you may want our guidance. Navigating the Exchange on your own can be difficult. We can help you see if your doctors are in network with the plans in your area. We can also assist with pricing any prescriptions you’re concerned about.