2016 Obamacare in NC Enrollment

As you may or may not be aware with the changes from the Affordable Care Act you can only purchase health insurance and/or change your coverage during the Annual Enrollment Period (AEP), unless you have a qualifying life event that triggers a Special Enrollment Period.


Well  2016 AEP for Obamacare in NC is almost here so if you need to enroll in coverage or change your current plan for 2016 it needs to be completed between Nov 1, 2015 – Jan 31,2016. Below is a chart that shows the date the new plan goes into effect based on when the coverage changes are made:


Change Date Policy Effective Date
11/1/15 – 12/15/15 1/1/16
12/16/15 – 1/15/16 2/1/16
1/16/16 – 1/31/16 3/1/16

Just to recap, to be eligible for health insurance with subsidies through the Marketplace you must meet the following eligibility requirements:

  1. Cannot have access to employer coverage…this includes through your employment and spouses employment.
  2. Must have Modified Annual Gross Income (MAGI) between 100 – 400% Federal Poverty Level.  See this page for the chart to see if you fall in the income range

We have helped thousands of North Carolinians successfully enroll in Obamacare in North Carolina and we can help you too.  Here is how we help you:

  1. Help you get qualified for your maximum subsidy amount allowed in the Marketplace.
  2. Consult with you on information needed to retain your subsidy
  3. Licensed by all the insurance carriers that provide coverage on the Marketplace so we explain to you the pros and cons of the different plans.
  4. Help you enroll in the plan that YOU choose making sure that you understand and receive maximum benefits offered.
  5. All this from never having to leave your home.  We handle everything for you via phone and internet…you don’t have to get dress up for us!
  6. Absolutely NO COST to you.  We are compensated by the insurance companies and by using us the plans DO NOT cost any more.

So if you are reading this and would like our assistance and you meet the 2 minimum guidelines listed above, please complete the contact form to the right of this page and we will contact you directly.



Enrollment for Obamacare Tax Penalty

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NC Obamacare and Your 2014 Tax Return

  With tax season upon us we wanted to put out some information that may assist you with your 2014 federal income tax return if you received subsidies with your NC Obamacare.   Just as a reminder as to how the subsidies work…the IRS will compare the income from your 2014 tax return to the… Continue Reading

New Options for NC Obamacare in 2015

The annual enrollment period for 2015 coverage for NC Obamacare will be here before we know it…enrollment starts on November 15 and goes through February 15. In 2014 there were only two health insurance carriers that participated on the marketplace for subsidized premiums in North Carolina. In 2015, United HealthCare (UHC) will also offer a… Continue Reading

Special Enrollment Period – Losing Health Coverage

In follow up to our last blog post regarding Special Enrollment Periods (SEP) we wanted to look further into some specific ones that are most common. The most common SEP qualification we are seeing is for individuals that have lost or will lose their health coverage from their employer. Since we are outside of the… Continue Reading

Enrolling in Obamacare in NC outside of Enrollment Period

We are still getting a lot of inquiries for people looking for coverage. Times have changed with the Affordable Care Act (aka “Obamacare”) in that you now can’t just buy coverage whenever you want. The initial Enrollment Period for coverage starting in 2014 was from October 1, 2013 – March 31, 2014. If you missed… Continue Reading

Obamacare – Who will it help, who will it hurt?

With Healthcare reform, also known as Obamacare, quickly approaching (less than 48 days), our goal is to help you understand the impact the law with have on you.  The law will change how you access insurance in the near future.  Whether you are for or against the law, it’s important to understand how it will… Continue Reading

Obamacare Explained in Video

The Patient Protection and Affordable Care Act (PPACA), aka Obamacare, is a very confusing and overwhelming law that has many people up in arms.  While many hate it, some love it, and some are indifferent the fact of the matte is as of today it is here and will be in full swing starting January… Continue Reading

How Do I Buy On The NC Health Care Exchange?

One of the confusing factors with Obamacare starting in 2014 is how do you buy coverage on the NC health care exchange?  The main determining factors are whether or not you have health insurance options from an employer (either through you or a spouse) and what is the modified adjusted gross income (MAGI) for the… Continue Reading

Do you qualify for a subsidy with Obamacare?

As we get closer to the start date for enrollment with Obamacare (October 1st), many people are starting to learn the ins and outs of how this will affect them.  Estimates are that 2/3 of North Carolinians will qualify for some form of subsidy under the new law. How do I know if I qualify… Continue Reading

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