Scroll Down This Page

 

 

 

The 2019 ACA (Obamacare) Open Enrollment period begins again on Nov. 1, 2018 and ends on Dec. 15, 2019. During this time period you cannot be denied coverage and depending on your income you may find a more affordable plan. Scroll down to see if you qualify for federal subsidies. 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 is the only kind of non-ACA (Obamacare) qualified health insurance available in the individual marketplace. You can now purchase Consecutive Short Term policies that will keep you insured consistently for 360 days. Short Term policies are not ACA-qualified and do not cover preexisting conditions. Because of this they are much less expensive. Click here to download the brochure. Click quotes for more info.

 

Special Enrollment

 

 

The 2018 ACA Open Enrollment period began on November 1, 2017 and ended on December 15, 2017. However, if you have a 2017 policy from Blue Cross Blue Shield of Illinois that will be cancelled as of 12/31/2017 you still have time to purchase a new 2018 health insurance policy from Blue Cross Blue Shield of Illinois until March 1, 2018 under Special Enrollment rights, even though the annual ACA Open Enrollment period has now ended. Scroll down to learn more. 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 begins on November 1, 2018 and ends December 15, 2018. 

The 2019 ACA (Obamacare) Open Enrollment period will began again on Nov. 1, 2018 and end on Dec. 15, 2018. Policies purchased during this annual Open Enrollment period will begin covering you on January 1, 2019. There are no health questions and no preexisting conditions during this time period on all ACA-qualified individual health insurance policies. 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. If you do not qualify for subsidies please click “Shop for unsubsidized plans OFF the exchange” below to purchase health insurance directly from the carrier of your choice Questions? Call (630) 582-1043. Out of state? Call toll free (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.

Buying on the exchange? If you do qualify for subsidies please click “Shop for subsidized plans ON the exchange” below. You will be able to pick a plan, get your subsidies and finish the entire process much faster than using Healthcare.gov alone. HealthSherpa speeds up the Healthcare.gov process.

unsubsidizedshopping                                                     subsidizedshopping

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.

Buying on the exchange? If you qualify for a subsidy please click the link below. You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov

subsidizedshopping

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 360 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 law and as such non ACA-qualified Short Term policies that keep you consistently insured for up to 360 days (one policy with one deductible) once again became available for all Americans to purchase.

After more than a year of being forced to “stack” four 90 day policies in a row in order to achieve a full year of health insurance coverage, the largest health insurance in our nation, United Healthcare has now decided to extend their 90 day non ACA-qualified Short Term health insurance policies to 360 days with one deductible (instead of four deductibles that come with four 90 day policies ‘stacked’ in a row).

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).

Please also note, this is extremely important. Even though United Healthcare’s new Short Term health insurance policies will keep you consistently insured for up to 360 days without interruption, if you purchase your Short Term policy outside of the annual ACA open enrollment period (Nov 1 to Dec. 15) you should not wait until a year later to renew your Short Term policy. For example, if you purchase your Consecutive Short Term policy in the month of June, you should not wait until the following June to renew your policy. You must cancel your current Short Term policy and reapply with a December 1st effective date. This is because when you renew your Short Term policy a year later, you will then be required to once again answer health questions in order to re-qualify. If you are too sick at that juncture to answer ‘no’ to the new set of health questions posed, you could be left uninsurable until the next annual ACA-open enrollment period begins again in November, in which case your new ACA-qualified coverage would not begin until the first day of the following year.

This being the case, it is absolutely essential that you renew your Short Term health insurance policy during the annual ACA open enrollment period (from November 1st to December 15th). Doing so ensures that if you are too sick at that juncture to answer ‘no’ to health questions posed when attempting to renew your Short Term policy, you will still have the option to purchase an ACA-qualified plan which would then cover your preexisting conditions (albeit at a much higher price). If this strategy is not clear, please contact us at (630) 582-1043 or call toll free at (866) 724-7123.

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 will began again on Nov. 1, 2018 and end on Dec. 15, 2018. Policies purchased during this annual Open Enrollment period will begin covering you on January 1, 2019. There are no health questions and no preexisting conditions during this time period on all ACA-qualified individual health insurance policies. 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. Click the Blue Cross logo for quotes and to apply online.

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