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Open Enrollment for the Health Insurance Exchange begins October 1st, 2013 and will last through March of 2014. If you have Insurance Coverage, you can KEEP your existing coverage if it qualifies as coverage under the EHB Provsion ( Essential Health Benefits ). If you don’t have Insurance now, you can either elect to take your employer’s insurance or qualify for Individual / Family Insurance today while the insurance companies still have the ability to Underwrite Health Insurance Policies.
“Why is that important?” you ask, well the answer is simple. Plans that are underwritten give the Insurance Companies some control over claims and costs vs. premiums to keep costs down for everyone in the plan. After Jan. 2014 Insurance Companies will NEVER AGAIN be allowed to underwrite health insurance so all plans offered after that date will be the NEW METALLICIZED Plans; meaning they are open to everyone and anyone who wants to enroll regardless of health status and prior pre-existing conditions. While this is a good thing for many people who cannot get access to health insurance today, it is estimated to increase the cost of Health Insurance to as much as 300% of existing Premiums to offset the new wave of claims and utilizers of the health insurance.
However, anyone who has an existing underwritten plan in place prior to Jan. 1st 2014 can keep that plan and pay far less for their insurance than people enrolling in the open market Exchanges in 2014. So, If you are healthy and think you might qualify for an Individual Plan today, I encourage you to go through Underwriting and take out a plan on the Individual Market while you still can. This portal will be open from now until the end of 2013 at which point this page will immediately convert into a PRIVATE HEALTH INSURANCE EXCHANGE where you will be able to enroll into the Private Insurance Exchange market online. Some States will be establishing their own PUBLIC Insurance Exchanges and we will have those states Listed and links to those exchanges as well as they become available.
To see if you qualify, complete the form above for a list of plans available in your area and begin the process of pricing and selection and underwriting while you still can.