Open Enrollment Information Center


Open Enrollment Is Here

Let’s work together to find the RIGHT solution for you

Securing Individual Health Insurance during open enrollment can be intimidating. Don’t go it alone. A personal guide at The Insurance Center is ready with no-cost, no-obligation advice. A local, certified agent will work with you one-on-one to secure the best Individual Health Insurance for you.


The Insurance Center tackles your toughest health insurance open enrollment questions.

What is Health Care Reform/Affordable Care Act?

The Affordable Care Act (ACA,) also referred to as Health Care Reform, was enacted in March 2010 and:

–Biggest overhaul of the United States’ health care system since Medicare and Medicaid in 1965

–Requires most individuals to obtain health care coverage*

–Requires insurance companies and employers to provide consumer protections related to health coverage, like covering pre-existing conditions and not charging more for coverage based on gender

*Everyone is required to have health insurance coverage—or, more precisely, “minimum essential coverage”—or else pay a tax penalty, unless they qualify for an exemption.

 

Is The Insurance Center’s guidance really free?

So, how can local, certified agents at The Insurance Center offer expert individual health insurance assistance at no additional cost to you during the open enrollment period? The agent’s commission is built into the premiums, whether you use our expertise or not. So, your price is not different when you use our help.

What is the penalty for not getting insurance?

The penalty is calculated in one of two ways: either as a percentage of your total household adjusted gross income or a flat rate, whichever is greater.

  • For tax year 2017, the penalty is 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, up to a maximum of $2,085.
  • For tax year 2018 and beyond, the penalty amounts have not been announced, but are expected to increase.
What are the Employer Coverage Requirements?

Depending on the number of employees, many employers will need to start offering health insurance coverage starting in 2015 or be subject to a penalty fee. Speak with The Insurance Center to determine your business’s specific obligations.


Get Started NOW!

Complete the form below to connect with an agent during open enrollment. Once you hit “Submit,” we’ll review your information and a Certified Agent will get back to you quickly. Already working with a local agent from The Insurance Center? Find your agent’s specific contact information here.


Insurance calculators and resources to keep you up-to-date

Use this calculator from the Kaiser Foundation to get an estimate of your eligibility for subsidies and tax credits and find out how much you could spend on health insurance. Enter different income levels, ages and family sizes to see how the current health care reform will affect you. Then schedule an appointment with your local Insurance Center agent to discuss how you can prepare for the changes ahead!