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Open Enrollment Information Center
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Securing Individual Health Insurance can be intimidating. Don’t go it alone. A personal guide at The Insurance Center is ready with FREE, 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.
So, how can local, certified agents at The Insurance Center offer expert individual health insurance assistance at no additional cost to you? 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.
The penalty in 2015 is 2 percent of your yearly taxable income or $325 per adult for the year, whichever is greater. For children, the penalty is $162.50 per child, up to a $975 maximum per household. Individuals and families who choose to pay the tax penalty instead of signing up for health coverage will still be responsible for 100 percent of their medical costs.
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.
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Complete the form below. 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!