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Frequently Asked Questions

We are here to help you on your way to the right insurance for your needs. Below are some frequently asked questions about Individual Insurance, Group Insurance and some of the other products we offer our clients.
  1. ?

    When is Open Enrollment for Individual Insurance?
    Open Enrollment for individuals is November 1st through December 15th. This will be the only time you can enroll in coverage without a qualifying life event such as a marriage, birth, or loss of coverage.
  2. ?

    I own/run a business, can I purchase better benefits through a group plan instead?
    Yes. Although you must meet the participation requirements, the group health plans offer a broad nationwide network of doctors, prescription coverage and in many cases the cost is lower. Contact us today for further information.
  3. ?

    Is Blue Cross and Blue Shield the only option for a Qualified Health plan in our area?
    Yes. Many carriers have exited the individual market and while Blue Cross and Blue Shield will remain, they will only offer their HMO plan as of January 1, 2018.
  4. ?

    Does my business have to offer benefits to employees?
    It depends. If you have 50+ Full Time or Full Time Equivalent (FTE) employees you are required to pay for “Minimal Essential Coverage” that is considered “Affordable” by the IRS guidelines. Businesses under 50 FTE are not required by law to offer coverage.
  5. ?

    Will I be able to use my current Doctor?
    The covered providers have changed. Be sure to go to the website and confirm your doctors of choice are in-network. Under the new individual plans, NO OUT OF STATE doctors/hospitals are covered and there are limited doctors locally who accept the plan.
  6. ?

    Will I qualify for a tax credit?
    Tax credits are based on income and household size. At the top of the page under “Shop and Apply HERE” choose, “Get a Quote” and follow the prompts. This quoting tool will walk you through the process of identifying a tax credit amount.