Scroll Down This Page

     

The 2019 ACA (Obamacare) Open Enrollment period began on Nov. 1, 2018 and ended on Dec. 15, 2018.
As of Dec 16, 2018 you can only purchase ACA-qualified (Obamacare) health insurance if you experience a QLE – Qualifying Life Event. For examples of QLEs and to determine if you qualify for federal health insurance subsidies scroll down this page. Click below for quotes.

     

Short Term insurance

       

On October 12, 2017 President Donald Trump signed this Executive Order designed to restore consumer choice in the Short Term health insurance marketplace. Short Term health insurance does not cover preexisting conditions and as such is much less expensive. You can now purchase Consecutive Short Term policies that will keep you insured consistently for up to 180 days in Illinois and up to 360 days in Wisconsin. Click quotes for more information.

 

Special Enrollment

   

The 2018 ACA Open Enrollment period ended on December 15, 2018. However, if you experience a QLE – Qualifying Life Event you become eligible for a SEP – Special Enrollment Period. To learn more about Special Enrollment rights, scroll down this page. Click below for quotes.

 

Accident Coverage

 

Since many consumers are now purchasing the PPACA “Metal” health insurance plans with high deductibles it makes great sense to purchase a Supplemental Accident plan so that you receive a cash payment ($6,000, $7,500 or $10,000) each time any member of your family suffers from an accidental injury (cuts, breaks, sprains, bruises etc). This cash payment can help you pay your health plan deductible. Scroll Down for More Information.

Preventive Care

PPACA Bronze, Silver, Gold, and Platinum Qualified Health Plans cover a comprehensive list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your calendar year health plan deductible. This applies only when these services are delivered by a network provider. Scroll Down for More Information.

2019 ACA Open Enrollment ended Dec. 15 2018. Learn about Special Enrollment 

As of December 16, 2018 you can only purchase ACA-qualified (Obamacare) health insurance if you experience a QLE – Qualifying Life Event. Examples of QLEs are Marriage, Divorce, birth of a child, loss of Employer sponsored coverage and COBRA coverage termination. QLEs result in a 60 day Special Enrollment period allowing you to purchase ACA-qualified coverage on a guaranteed issue basis (no preexisting conditions) at any time during the year. Policies purchased during Special Enrollment will begin on the first of the month following the receipt of your application. Depending on your projected 2019 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays. To learn the income levels necessary to qualify for health insurance subsidies scroll down this page. Questions? Call (630) 582-1043. Out of state? Call toll free at (866) 724-7123.

Also, President Trump’s Executive Order creates more affordable options in the non-ACA qualified Short Term health insurance market and the new GOP tax bill which passed Congress on 12/20/2017 includes repeal of the ACA individual mandate. By 2019, you will no longer be fined (taxed) for purchasing lower priced non-ACA qualified Short Term health insurance. Click here to learn more about Short Term.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA Short Term plans” for more affordable non ACA-qualified Short Term insurance.

                                       

Determining your eligibility for one or more federal subsidies

Depending on what you expect your 2019 total household MAGI – Modified Adjusted Gross Income = (after deductions but before taxes) to be, you may qualify for a significant APTC – Advance Premium Tax Credit (federal subsidy) under the new health care law to lower your premiums. You may also qualify for a CSR – Cost Sharing Reduction subsidy to lower your deductible. If you believe your 2019 total household MAGI will be lower than:

$48,560 for an individual
$65,840 for a couple
$83,120 for a family of three
$100,400 for a family of four
$117,680 for a family of five
$134,960 for a family of six

you will be better off financially by shopping for a plan on the exchange (via Healthcare.gov) in order to receive an Advance Premium Tax Credit and/or a Cost Sharing reduction to reduce the premium and deductibles of either the Bronze, Silver, Gold or Platinum Qualified Health Plans.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA Short Term plans” for more affordable non ACA-qualified Short Term insurance.

                                        

Shopping from another state? Call us toll free at (866) 724 7123 or scroll down to get quotes from carriers in your state. 

Please note: If your income is lower than the 2018 Federal Poverty Level Information – 2018 FPL in your state, which is less than 138% of the FPL – Federal Poverty Level in states that expanded Medicaid and less than 100% of the FPL in states that did not. You will be offered Medicaid and as such will not be able to qualify for subsidized private health insurance. You can purchase private health insurance even if you qualify for Medicaid but you must do so without a subsidy. Click the chart below to determine the current Federal Poverty Level and percentages above it. 2018 Federal Poverty Levels will not be released until late January of 2019 so, the 2018 FPL chart must be used to determine 2019 subsidy eligibility.

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan – under Medicaid you may not be able to insure your children on your policy. Healthcare.gov will instead send them to Medicaid. You may wish at that juncture to purchase private health insurance at full price for your children instead.

Non ACA-qualified Short Term health insurance for 180 days.

On October 12, 2017 President Donald Trump signed this Executive Order designed to restore consumer choice in the non ACA-qualified Short Term health insurance marketplace. Short Term health insurance is the only kind of non ACA (Obamacare) qualified health insurance available in the individual marketplace. Short Term health insurance is considered major medical health insurance but it is not ACA-qualified. As such, Short Term health insurance does not cover preexisting conditions and you do have to answer health questions in order to qualify. 

As of October 2, 2018, President Trump’s Executive Order became the new Federal regulation and as such non ACA-qualified Short Term policies that keep you consistently insured for up to 360 days became once again available for all Americans to purchase. However, states retain the right to accept or reject the Trump restoration of non ACA-qualified Short Term health insurance policies.

From October 2, 2018 to December 14, 2018 Illinois residents were able to purchase non ACA-qualified Short Term health insurance policies for up to 360 days thanks to Illinois Governor Rauner’s VETO of HB2624 which was the Illinois Democrat led attempt to block the Trump restoration of non ACA-qualified Short Term health insurance policies.

Unfortunately, after Rauner lost his reelection bid, Illinois Democrat Senator Antonio Munoz began working feverishly to undermine President Trump’s much needed restoration of non ACA-qualified Short Term health insurance policies. Munoz’s effort was unfortunately successful and as of December 14, 2018 Illinois residents can now only purchase Short Term health insurance for a maximum policy term of 180 days. 

This action by Illinois Democrats has once again left Illinois consumers who do not qualify for Federal health insurance subsidies with no other safe option but to purchase ACA-qualified health insurance at a premium that is not only not “affordable” but now exceeds their mortgage payments. A non ACA-qualified Short Term policy that lasts for only 180 days exposes consumers to unique and significant risk by potentially leaving them uninsurable in the middle of the year if at the end of the first 180 day Short Term policy, they are at that juncture too sick to qualify for another 180 day Short Term policy.

Since all Americans can only purchase ACA-qualified (Obamacare) health insurance that covers preexisting conditions during a short “open enrollment” window between November 1st and December 15th of each calendar year, a consumer whose coverage ends in 180 days can be left without the ability to obtain health insurance until January 1st of the following year if they develop a medical condition that would render them unable to qualify for another 180 day Short Term policy in the middle of the year.

If Illinois Democrats truly want to ‘protect Illinois residents they should stop prohibiting consumer choice and act immediately to restore Short Term policies to 360 days. Indiana regulators should also restore Short Term policies to 360 days since their residents have even fewer choices now than Illinois residents do with only one carrier left in Indiana offering Individual ACA-qualified health insurance plans.

Wisconsin regulators have accepted the Trump restoration and their residents can still purchase non ACA-qualified health insurance for up to 360 days. If you live in Wisconsin or if you purchased a 360 day Short Term policy in Illinois before December 14, 2018, below is more information about United Healthcare’s non ACA-qualified Short Term health insurance policies:

United Healthcare’s non ACA-qualified Short Term health insurance policies are the most comprehensive non ACA-qualified Short Term health insurance policies in the industry. Unlike other non ACA-qualified policies, these policies cover outpatient prescription drugs and your health plan deductible is waived for Urgent Care visits and the “Copay Select A” plan waives the health plan deductible and only requires a $50 co pay for three outpatient doctor office sick visits each year. United Healthcare also covers each insured member to $2,000,000 on their “Plus Select A, “Copay Select A” and “Plus Elite A” plans which are outlined on page 4 of their new non ACA-qualified Short Term health insurance brochure linked hereFor quotes and to apply online click the United Healthcare logo:

Please note: Non ACA-qualified Short Term health insurance plans are not required to cover certain “Essential Health Benefits” that are covered with ACA-Qualified plans. These benefits are:

1.) Maternity and newborn care
2.) Mental health and substance use disorder services
3.) ACA mandated Preventive care benefits. However, routine mammograms and cancer screens ARE COVERED with non ACA-qualified Short Term health insurance policies.
4.) Pediatric Services (including both oral care and vision care).

The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the Tax Cuts and Jobs Act of 2017 does not include repeal of this mandate until Jan. 1, 2019.

President Trump has also provided a way to avoid paying the Individual Mandate penalty for 2018 also.

Get quotes from Blue Cross Blue Shield of Illinois

The 2019 ACA (Obamacare) Open Enrollment period ended on Dec. 15, 2018. To find out if you qualify for Special Enrollment click the Blue Cross logo. Depending on your projected 2019 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays. 

The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the Tax Cuts and Jobs Act of 2017 does not include repeal of this mandate until Jan. 1, 2019.

President Trump has also provided a way to avoid paying the Individual Mandate penalty for 2018 also.

 

Medicare Supplemental coverage

If you’re over 65 or nearing that age and are looking for information and multiple free quotes on plans that will cover your Medicare deductibles and other out of pocket expenses. Visit our Medicare Supplement page

Life Insurance

Visit the Life Insurance page of our website for Term Life insurance quotes from all carriers.

Share This