Understanding The Health Insurance Open Enrollment Period | How to Insurance | 052
Hi, I’m Peter!
Welcome to HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
This November 1 - December 15 is the annual Open Enrollment Period for Health Insurance.
So, what does that mean for you?
Don’t miss it. It only happens once a year and if you’re not prepared… you have to wait another whole year!
Today we are talking about:
Understanding The Health Insurance Open Enrollment Period
In the old days… the most common way to get health insurance was through your employer. You had to have a regular, full-time job with a benefits package that included healthcare.
In 2020, this isn’t necessarily the norm!
Now, there are millions and millions of individuals and families that are securing their own health insurance, without a benefits plan through an employer.
If you’re self-employed or just not offered a health plan with your job… this Open Enrollment Period for health insurance is very important for you.
November 1 - December 15 is Open Enrollment for Individual/Family Healthcare Plans and these new health plans will begin on January 1, 2021.
Don’t miss it!
If you don’t start, renew, or change your health insurance plan during this time… you’re stuck!
The only exception is to have a special eligibility event, such as a move, marriage, childbirth, loss of group coverage...etc
3 things you can do during Open Enrollment:
1. START Your Health Insurance Plan
If you’re uninsured… uh oh!
That’s not good to be uninsured.
Even if you “feel healthy” and “never go to the doctor”... you never know when a medical crisis will occur and you don’t want to be denied access to medical attention or have an astronomically large medical bill.
Being uninsured is a quick way to ruin your health and your financial future.
So, now is the time! You can START a new health insurance plan during Open Enrollment.
Contact me for help and I’ll make it simple, save you time and complete your health application!
In Washington State, we’ll use wahealthplanfinder.org
In Oregon, we’ll apply through Healthsherpa (which coordinates with healthcare.gov and makes it easy)
In California, we’ll apply through CoveredCA.com and I’ll complete the application for you in one day.
2. RENEW Your Health Insurance Plan
If you’re currently enrolled in a health plan… then we need to do two things:
Report any changes (in income or household)
Renew for 2021.
This process doesn’t take me long but please reach out soon so you don’t forget. Let’s get this done by Thanksgiving!
As a reminder, it’s super important to update your income, as whatever is reported is what qualifies you for tax credits (see my other blog posts about this). We need to be accurate so you get the most credit possible, without needing to pay any money back to the IRS!
3. CHANGE Your Health Insurance Plan
Open Enrollment is also the time you can CHANGE your health insurance plan.
Do you have a PPO and you’d like to save money and switch to an HMO?
Are you looking for a different network of doctors?
Is there a different/better insurance carrier you want to work with (and maybe you had a bad experience with your current plan)
It’s time to change! We have until December 15… but like I said, let’s get this done before Thanksgiving so there is no mad rush at the end and we do it correctly!
Contact Peter D Johnsen and he’ll give you the options, create a video summary for you to compare plans, and then you choose what feels right for you and your family!
I hope this helps!
Now you have a roadmap for how to navigate this year’s Open Enrollment season for your individual/family healthcare plan.
If you’d like to just take a look at what plans are available to you, you can Shop and Compare here:
I look forward to hearing from you!
Next Steps:
Contact your trusted independent insurance broker.
Update any information that has changed.
Renew or Select your NEW Healthcare Plan for 2021
At Apple Insurance Solutions,
We all want to protect what matters most to us in life,
but finding the right insurance can be confusing.
So I make it simple.
As Your Insurance Broker,
All your insurance is covered in one relationship,
saving you time and
building confidence for your future.
If this was helpful to you, please:
“Like and Share” this post
Follow me on social media (@appleinsurancesolutions)
Contact me at peter@appleinsurancesolutions.com
Also, keep in mind, that as Your Insurance Broker,
I offer insurance for auto, home, life, health, medicare, umbrella and business… when you work with me, all your insurance needs... are in one relationship.
Thank you for reading HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
PETER D JOHNSEN
Insurance Broker | Apple Insurance Solutions
360.818.4865 OR/WA 818.620.8171 CA
Auto | Home | Life | Health | Medicare | Umbrella
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