So it is that time again, sweaters, pumpkin spice, and health insurance -Yes! It is open enrollment.

This is the time that anyone can change existing health insurance or purchase a new policy. If you and your family need coverage, I strongly suggest that you purchase at this time for two crucial reasons.

1. You will start your plan and deductible in January. This gives you the full year to put claims against your deductible.

2. To change or purchase coverage after open enrollment, you will need to experience a “triggering event.” These are life events such as marriage, divorce, the birth of a child, or loss of coverage at your employer.

Plans approved through the Affordable Care Act (ACA or Obamacare) do not require medical underwriting and can be purchased with a subsidy’s assistance. A subsidy can lower the premium or deductible on many plans, based on your household size and income. Alternative options such as religious share programs and short term medical plans are available as well.

No matter what happens after our presidential election, it is vital to protect you and your family. Remember that ACA coverage does include preventative care for well-child visits, immunizations, mammograms, and others. As always, check to make sure any doctors you and your family visit regularly are covered by the plan you are considering. This is an essential aspect of deciding on the best coverage for your needs.

I am looking forward to speaking with you on your options soon. Open enrollment starts on Nov 1st and ends on Dec 15th. Quotes are now available to begin researching your options.

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