Individual Health Insurance FAQ

• Do I still need to buy health insurance?
  
• Is there anything different this Open Enrollment that will affect me?
  
• Will I still be able to see my regular doctor? How much will it cost me?
  
• I've read several health insurers are leaving the Marketplace.  Do I need to be concerned?
  
• Will I still be able to get financial assistance to help pay my monthly premium? 

The Affordable Care Act is still the law of the land. You should consider purchasing a 2018 plan to make sure you have coverage for wellness checkups, doctor visits and hospital care. Remember, you’ll still pay a fee or penalty if you go without coverage.

Yes. This year you have less time to enroll or change plans: December 15 is the deadline. If you miss it, you may need to wait until 2019 to get coverage or make changes. For 2018, you may have new health plan options available to you. Let a us help you find a plan that meets your needs and budget.

It depends. Who you see and how much you’ll pay really depends on the plan you choose. When considering your options, you should ask about the costs for visits, and which doctors, hospitals and pharmacies are in the network. We have plans with low cost doctor visits when you see a Value Choice Provider.

Yes, if one of those insurers is yours. If they are leaving the Marketplace, your plan will likely be canceled, ultimately leaving you without health care coverage. You can rest assured we have plans to fit your needs and we’ll be here for you––as we have been for more than 30 years.

Yes. You can continue to get financial assistance based on the 2018 eligibility guidelines. We can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2018 monthly payment.