It is that time of year again, the beloved health insurance open enrollment period!
Open Enrollment starts : Saturday, November 15th, 2014 and ends Sunday February 15th, 2015
This time of the year is very busy for me, and I urge all active policy holders that need to make changes to their policies, setup an appointment with me online for any date after 11/15/2014. Please, setup an appointment now to ensure we discuss your current needs, and enroll you in the best policy available. New quotes for all health insurance companies will not be made public until after November 15th, 2014. During our web-conference appointment, we can review your current needs and enroll you in the best policy available for 2015.
Here are different scenarios that may affect your current health insurance policy
→ If you have a policy purchased with an effective date prior to 01/01/2014 from the following companies, your policies will be terminated on 12/31/2014. These carriers will automatically renew you on the lowest cost bronze plan, but this might not be the best option for you.
- Blue Cross & Blue Shield of Texas
- CoventryOne, formerly Vista
→ If you have purchased a newer health insurance policy from any company with an effective date of 01/01/2014 or later, your policy will renew automatically on 12/31/2014. If your premium has gone up too much, and you want to shop around, or if the health insurance company you have stops offering your particular plan, please click here to setup an appointment with me to find the best policy available now.
→ If you have enrolled in a policy with an effective date of 01/01/2014 or later and received a subsidy from The Marketplace and had an income change or family size change, please click here to setup an appointment with me to resubmit a new subsidy application. The subsidy amount you receive will now be different, so we might need to change your policy as well.
If you have one of the following companies, and purchased a policy with an effective date prior to 01/01/2014, you will be able to keep your policy until renewal or late 2015 and then you will be forced to change. If you have one of the following companies and experienced a rate increase, please be aware that all companies have increased rates, and what you have still may be better than anything else in the market.
- Blue Cross & Blue Shield of Florida / Florida Blue
- UnitedHealthOne, formerly Goldenrule
There are lots of triggering events that can cause you to re-look at your current health insurance. I will do my best reach each and everyone that needs my assistance.