Individual, Family, and Small Business Health Insurance

SHOP FOR HEALTH
INSURANCE.

NEXT OPEN ENROLLMENT: Nov 1, 2016 to Jan 31, 2017
Do you have a qualifying event?

  • How to get started

    Step 1:  Check to see if we are in an open enrollment period. If not, check to see if you have a qualifying event (if so, you can get coverage outside of open enrollment). If you do not have a qualifying event, you still have the option to purchase a short term plan.

    Step 2:  Determine if you qualify for a credit on the exchange. You will need to know your estimated adjusted gross income for the year. If your income is above the ones listed then you do not qualify for a subsidy. HealthCare.gov provides a chart.

  • Getting an individual plan now

    Depending on your circumstances, you may be able to get a plan now that meets the standards of the Affordable Care Act. If you can, then you will not have a penalty. If your circumstances do not allow you to get a plan that meets the standards of the Affordable Care Act, you can still get a plan that is not ACA compliant. This means you will have a penalty, but you can still have coverage. These other plans are short term plans that are not guaranteed issue, and do not cover preexisting conditions or preventative care.

  • Small business owner options

    If you are a small business owner, you can purchase a group plan at any time.  Even if you do not have employees, your state may have plans that allow business owners to purchase a group plan for themselves.

  • Penalty for not having coverage

    The penalty in 2016 is calculated one of 2 ways. If you or your dependents don’t have insurance that qualifies as minimum essential coverage you'll pay whichever of these amounts is higher:

    2.5% of your yearly household income.

    $695 per person for the year ($347.50 per child under 18).

    See HealthCare.gov and IRS.gov for additional information.

  • Inside the exchange vs. outside

    Generally speaking (in regard to cost only) you should go inside the exchange if you qualify for a credit or subsidy based on your income.  You can use this calculator to see if you qualify for a credit.  If you do not qualify for said credit or subsidy, there is no special benefit in going through the exchange.