What about the Individual and Family Plans:
If you have health insurance coverage through an employer, or Small Group plan, and you are not leaving that plan, then you do not have to get a plan on your own.
The Affordable Care Act, AKA ObamaCare is the current law.
For those of you looking for a plan, check to see if you qualify for a “Special Election Period” otherwise the Open Enrollment Period runs from Nov 1st to Jan 31. If you do not qualify for a plan right now, and are looking for immedicate coverage, you might consider Interim Insurance
On Exchange or Off Exchange?
People that qualify for tax credits should use www.healthcare.gov . ( For those of you in California, you may alternatively use Covered California ) This is known as “ON EXCHANGE”, as enrolling through these sites allow you to take advantage of any cost saving “subsidy” you may be eligible for.
-
The two sites above are self service exchanges that allow you to check out and enroll in plans based on your individual or family needs.
-
People receiving assistance from the state in the form of Medicaid (Med-Cal here in California) will find that this is also where you can find appropriate plans for your needs.
-
You can also find someone local to call regarding ON EXCHANGE plans who can explain these options to you
If you do NOT qualify for a “subsidized” plan, then you can also get plans directly from the various Insurance companies. This is known as “Off Exchange”
-
These are typically known as “Off Exchange” This has been helpful to people looking for plans more suited to their individual or family needs. They are also good for those that do not qualify for a “tax credit”, and can include HSA eligible plans.
-
You have additional plans available to you, and often times an Agent or Broker that can personalize the options to your individual needs.
