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The 2022 ACA (Affordable Care Act) open enrollment period begins on Nov. 1, 2021 and ends on January 15, 2022. Advance premium Tax Credits (subsidies) have also increased significantly due to the passage of the American Rescue Plan. Depending on your income, you may find a more affordable plan even if you earn a substantial income. SCROLL DOWN THIS PAGE.

Preventive Care

All ACA-qualified (Obamacare) health insurance policies must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. Click “See The List” below. Be sure to click on “For all Adults”, “For Women” and “For Children” to see entire list.

 

The 2022 ACA open enrollment period begins on November 1, 2021 & ends on January 15, 2022

The 2022 ACA (Affordable Care Act) open enrollment period begins on November 1, 2021 and ends on January 15, 2022. Advance Premium Tax Credits (subsidies) have also increased significantly since April 1, 2021 due to the passage of the A.R.P. – “American Rescue Plan“. A Budget Reconciliation bill dated September 9, 2021 seeks to make the enhanced subsidies under the A.R.P. permanent. Depending on your income, you may find a more affordable plan even if you earn a substantial income. To see if you qualify, click subsidy. Until November 1, 2021 applicants will need proof of a Q.L.E. – Qualifying Life Event – in order to qualify for an S.E.P. – Special Enrollment Period. Examples of Q.L.E.s are: loss of employer sponsored coverage, marriage or divorce, birth or adoption of a child or loss of Medicaid eligibility. For expert guidance at no cost to you, call (630) 582-1043 or click contact us.

New improvements for 2021 include the addition of the entire Northwestern Medical Group into the Blue Choice Preferred PPO network. Please click “Shop for ACA-qualified (Obamacare) plans” below. You will then 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 the same link.

      

Determining your eligibility for one or more federal subsidies

Depending on what you expect your 2021 total household MAGI – Modified Adjusted Gross Income (after deductions but before taxes) will be, you may qualify for an APTC – Advance Premium Tax Credit (federal subsidy) to lower your premiums. You may also qualify for CSR – Cost Sharing Reduction – to lower your deductible, if you purchase a Silver level plan.

Please note: If you expect that your M.A.G.I. – Modified Adjusted Gross Income will be lower than 138% of the Federal Poverty Level, you will be eligible for 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 at full price without a Federal subsidy.
Click the chart below to determine the current Federal Poverty Level and percentages above it.

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded SCHIP – State Children’s Health Insurance Plan – you may not be able to insure your children on your policy. Healthcare.gov will instead send a referral to your state’s SCHIP program. In Illinois, that program is entitled “All Kids Covered“. You may wish at that juncture to purchase private health insurance at full price for your children instead if you cannot find a Pediatrician who will accept “All Kids Covered”.

Get quotes from Blue Cross Blue Shield of Illinois

The 2022 ACA (Affordable Care Act) open enrollment period begins on November 1, 2021 and ends on January 15, 2022. Advance Premium Tax Credits (subsidies) have also increased significantly since April 1, 2021 due to the passage of the American Rescue Plan. Depending on your income, you may find a more affordable plan even if you earn a substantial income.

New improvements for 2021 include the addition of the entire Northwestern Medical Group. To shop for 2021 ACA (Obamacare) Individual and Family health insurance policies from Blue Cross Blue Shield of Illinois, click get quotes below.

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