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Changes to When You Buy

Want to know more about the health reform law and what it means for people without employer-based health insurance? We’ll walk you through the basics of how Affordable Care Act (ACA) has changed the health insurance buying process, all in three steps:

  1. Changes WHAT you buy
  2. Changes HOW you buy
  3. Changes WHEN you buy


Open Enrollment

In most states there will be one open enrollment period per year when people who want major medical insurance are guaranteed to have their application approved.

November 1, 2016

Open enrollment begins for 2017 major medical insurance plans.

During the open enrollment period, our insurance agents will help you shop, customize, and enroll into health insurance either on or off the government exchanges.

January 1, 2017

First date 2017 major medical coverage can start.

January 31, 2017

Last day of the 2017 open enrollment period.

If you don’t enroll by January 31, 2017, you can’t enroll in a health insurance plan for 2017 unless you qualify for a Special Enrollment Period (SEP)


Get Covered or Face the Fine

Those who miss the open enrollment deadline or choose to not purchase a qualified major medical plan in 2017 may have to pay a fine.


Special Enrollment Periods

Under the Affordable Care Act (ACA), you typically cannot get major medical health coverage without a qualifying life event. A qualifying life event triggers a 60 day “special enrollment period” that will allow you to apply for a plan and guarantee your application is approved.


*Dates subject to change
Source: https://www.ehealthinsurance.com/resource-center/wp-content/uploads/3-steps-obamacare-ehealth-2016.pdf

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