Open Enrollment

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

• Was the 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.

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.

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.

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

The Insurance Center strives to provide our clients with exceptional customer service. We focus on understanding your insurance needs and creating a dynamic relationship for the future.