Health Insurance Help

Teal stethoscope on wooden table

Need health individual/family insurance?

Don’t understand the Obamacare rules?

We can help.

The most important thing to know about health insurance is that you can normally only buy-in during the fall period called Open Enrollment. That period runs from November 1 to January 31. To get coverage that begins January 1st you must enroll by December 15th. After December 15th you can still get coverage but it will begin February 1st. If you wait to purchase after January 15th your coverage will begin March 1.

What about outside Open Enrollment?

If you have lost health insurance coverage for any reason other than non-payment of premium you generally can buy health insurance during a Special Enrollment Period. That period lasts 60 days from the date your coverage ended.

What if I missed the 60 days Special Enrollment Period?

You can buy a limited coverage policy called a Short Term policy that offers some protection until the next Open Enrollment period. It is very affordable as it is catastrophic coverage meant to “bridge the gap” until you can buy full coverage.

What if I cannot afford health insurance?

Depending on your household size and income you might be able to get assistance paying your premiums with tax credits by purchasing coverage through the health insurance exchange called the Marketplace. We can help you do this.



Darin Hoover