The federal open enrollment period for 2023 health insurance plans starts November 1, 2022, and ends January 15, 2023. There’s plenty of time to talk with one of our agents and get help choosing your ideal health insurance plan.
Contact Regina Jasak Independent Insurance located in Ludlow, Massachusetts and Newport News, Virginia, today.
What Are the Different Types of Health Insurance?
You may have access to public and private healthcare coverage, depending on your situation. You may be able to purchase private healthcare coverage through the healthcare marketplace or through your employer if they offer health insurance as part of their benefits package. Public healthcare coverage includes CHIP, VA coverage, Medicaid and Medicare.
Major medical plans governed by the Affordable Care Act (ACA) must provide essential coverage, including:
· Free access to preventive healthcare
· Guaranteed issue regardless of applicant’s medical history
· No limitations due to pre-existing conditions
Your agent may recommend that you add certain plan supplements or healthcare plans, depending on your situation, including:
· Temporary health insurance
· Supplemental health insurance
· Disability insurance
· Travel health insurance
· Medical expense insurance
· Prescription insurance
· Vision insurance
· Dental insurance
What Is Open Enrollment?
States that use the federal Affordable Healthcare Act (ACA) exchange provide an open enrollment period to allow people who need healthcare coverage to shop from ACA-approved plans in an easy-to-navigate central online location.
Virginia and Massachusetts participate in the federal open enrollment periods for ACA exchange health insurance plans. If you choose to enroll between November 1, 2022, and January 15, 2023, your healthcare coverage starts January 1, 2023.
What Is a Special Enrollment Period (SEP)?
Some people may qualify for health insurance outside of their open enrollment period if certain life events trigger an exception. Your SEP may go into effect if any of the following happens:
· You lose your health coverage
· You move
· You get married
· You have a baby or adopt a child
· Your household income is below a certain amount
To find out whether your situation may qualify you for an SEP, please contact us today.
The healthcare experts at Regina Jasak Independent Insurance are ready to help you choose a health insurance plan to meet the future needs of your family. Contact us today for a quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.