OEP 2017: ACA Open Enrollment for Health Insurance

Click here for our 2017 Open Enrollment Flyer (PDF)

If you’re under age 65 and need health insurance–listen up!
The only time you can get health insurance (without experiencing some kind of Life Event) is during

OPEN ENROLLMENT:
Nov. 1, 2016 – Jan. 31, 2017

 

What’s new for 2017?app-link

  • Only HMO and EPO plans available in the Corpus Christi area
    • Your Primary Care Physician (PCP) will coordinate your healthcare.  If you need to see a Specialist, you may need a referral from your PCP (otherwise, your plan may not cover Specialist services)
    • There is NO Out-of-Network coverage for services (unless in an emergency situation)
  • Tax Credits (also called “subsidies”) are increasing for the new year.  If you used a  Tax Credit in 2016, you’ll probably see a big increase for 2017 coverage.  That’s a good thing, because…
  • Premium rates are increasing for all plans with every carrier
    • Deductibles and Out-of-pocket Maximums have increased across the board
    • Coverage with “rich” benefits will have a higher monthly premium
  • The penalty for not having health insurance in 2017 will be approx. $695 per adult and $347.50 per child
    (or 2.5% of your total household AGI, whichever is higher)

Be Prepared!checklist2

Don’t get caught in the year-end time crunch–be prepared in a few easy steps:

  • Call us for quotes (or click here to run your own online quotes now) and to schedule your appointment early; open time slots available starting Nov. 1, 2016
  • Be informed–Use our checklist to prep for your appointment
  • Let us shop for the best plan to fit your needs; we NEVER charge a fee to help you navigate the process and offer complimentary servicing of your new policy–no hidden fees

 

Call for quotes or more information today!

John Seaman, MSFS, CFP®
John@SeamanFinancial.com
361-993-8888

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