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2017 Obamacare Open Enrollment

 

Hard to believe that we are on the fourth year for Obamacare in North Carolina.  Time sure does fly.

 

If you have been putting off enrolling in Obamacare or need to change your coverage this needs to be completed during November 1 2016 – January 31 2017.  The chart below shows when a new plan will go into effect based on the date the application is submitted:

 

Application DatePolicy Effective Date
11/1/16 – 12/15/161/1/17
12/16/16 – 1/15/172/1/17
1/16/17 – 1/31/173/1/17

 

To qualify for subsidies through the health insurance marketplace for Obamacare coverage in 2017 you must meet the following requirements:

  1. Cannot have access to employer coverage.  If coverage is offered through your employer or your spouses employer you are most likely not eligible for subsidies through the marketplace.
  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

Over the first 3 years of Obamacare in North Carolina we have assisted over a thousand individual obtain coverage properly and effieciently.  Here is how we can help you:

  1. Explain the subsidy process and help ensure you get the maximum subsidy amount based on your information.
  2. Help you retain your subsidy throughout the year by making sure that proper documentation is submitted when required.
  3. We are licensed insurance professionals that are contracted with the carrier (s) that participate in the marketplace.  This allows us to explain to you the benefits of the policy and why one may be better than the other.  You don’t get this doing it yourself or calling healthcare.gov.
  4. Help you enroll in the plan that YOU choose making sure that you understand and receive maximum benefits offered.
  5. We do all this remotely so you never have to leave your home nor doyou don’t have to get dressed up to meet someone.  Everything is handled over the internet and phone!  Very simple and convenient process.
  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 YOU ARE NEW TO THE MARKETPLACE we would like to help you.  Simply fill out the form to the right or click the button below.  Either Rustty Williams or Kent Kingsley will contact you to review your situtation.  The whole process should take less than 30 minutes and often times less. 

 

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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… Continue Reading

Enrollment for Obamacare Tax Penalty

Have you learned you have a tax penalty for not having health insurance in 2014?  If so, there could be a new Special Enrollment Period (SEP) for you.  This enrollment allows those who did not have health insurance coverage during 2014 or had coverage that did not meet minimum essential coverage as defined by the… Continue Reading

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

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 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

When does Obamacare in NC start?

Open enrollment for plans offered through the NC health insurance exchange starts on October 1, 2013 with coverage starting on January 1, 2014.  This initial open enrollment period will run through March 31, 2014.  After this date enrollment periods for health coverage will coincide with Medicare’s open enrollment period each year which is October 15… Continue Reading

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