Have you enrolled for health insurance yet? If the answer is no, it’s not too late to apply!
December 15th is the last enrollment deadline for consumers who wanted coverage that begins on January 1, 2016. But for those who sign up during the second half of the month of December (December 16 -31), coverage will take effect on February 1, 2016. The latest you can apply for health insurance is on January 31, 2016, when Open Enrollment ends so don’t wait until it’s too late to get covered for next year!
In communities across the country, Americans are turning to HealthCare.gov or CuidadoDeSalud.gov to get covered for 2016. In the first three weeks of Open Enrollment, more than 1.6 million consumers have selected coverage, including half a million new consumers and over a million existing marketplace consumers who have returned to shop, switch plans or choose their same plan for 2016.
See if You Qualify for Savings Right Now
Before you apply, you can quickly see if you’ll qualify for savings based on your income. Most people who apply do qualify — this year, about 8 in 10 of the uninsured eligible for Marketplace coverage qualify for savings that lower the cost of their monthly premiums.
We'll make sure you get the right health insurance without the confusion. Request an appointment.
Finding the Right Plan for You
Finding a good health plan means balancing how much you pay each month with how much health care you think you and your family are going to need during the year.
If you’re healthy and don’t go to the doctor very often, then a plan with a low monthly premium (the amount that must be paid for your coverage) would probably cost you the least. But if you need to go to the doctor a lot, or you need a lot of expensive prescriptions, you should look at plans where the cost of getting care, or how much you pay out of your own pocket (like coinsurance or a copayment), will be lower.
When you shop for plans in the Marketplace, they’re put into 5 categories (Bronze, Silver, Gold, Platinum, and Catastrophic) to help you sort out what you can afford based on your health care needs. The category you choose affects the cost of your monthly premium, and what portion of the bill you pay for things like hospital visits or prescriptions – but it doesn’t reflect the quality or amount of care plans provide.
|Bronze||Your health plan pays 60% of the total average costs of care. You pay about 40%.|
|Silver||Your health plan pays 70% of the total average costs of care. You pay about 30%|
|Gold||Your health plan pays 80% of the total average costs of care. You pay about 20%.|
|Platinum||Your health plan pays 90% of the total average costs of care. You pay about 10%.|
|*Catastrophic||Your health plan pays less than 60% of the total average costs of care.|
* NOTE: Catastrophic Plans are available only to people under 30 years old or to people who have a hardship exemption. To learn more about “hardship exemptions,” visit HealthCare.gov/fees-exemptions/hardship-exemptions.
Apicha Health Insurance Navigators
If you have more questions, or you would just like someone to walk through the application process with you, our Apicha New York state-certified health insurance navigators want to help you apply for health insurance. You can reach them by calling 1.866.APICHA9. You can also find more information on our website about our health insurance open enrollment resources or request an appointment to go over your application. Simply fill out the form and choose health insurance from the drop-down menu.