
Call Us Today! 919-380-9700
Call Us Today! 919-380-9700
Our agents' expertise is always free, whether or not you decide to enroll in a plan.
You may sign up for an ACA plan during open enrollment: November 1, 2017 – January 31, 2018.
You may be eligible to enroll during special enrollment periods.
No.
Yes, all ACA plans cover many preventive services without you having to pay copayments or coinsurance, or having met your yearly deductible. Find a list of preventive services now.
Yes. However, you may not be eligible for a subsidy unless the premium for your employer-provided insurance is more than 9.5% of your annual household income.
The ACA does offer subsidies for many people, based on their estimated yearly income, effectively lowering their monthly premiums. Under certain circumstances you may also get help with deductibles and co-payments. In addition you may be eligible for Medicaid assistance. We recommend you contact your agent to see if you qualify.
Estimating your income from year to year can be tricky. If you do experience any income change, notify your agent or Healthcare.gov so an appropriate adjustment can be made to your subsidy. Remember, if you do not notify your agent of an income change you may be required to pay back your subsidy, or you may miss out on valuable savings on your premium.
If you can afford to buy a health insurance plan but choose not to buy one you will be penalized. The fee for not having coverage in 2016 is the higher of these two amounts:
• 2.5% of your household income
• $695 per person ($347.50 per child under 18 years)
You will pay this penalty on the federal income tax return for the year you did not have coverage.
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