Did you miss your chance to sign up on the healthcare exchange for 2015?
You will now need to wait until the exchange reopens this November, to enroll for coverage for 2016.
Has Anything Changed Since You Enrolled for 2015?
Once you have enrolled in a Marketplace plan, you must report any changes to the Marketplace, as your coverage or eligibility for insurance affordability programs may be affected. What kind of changes are included?
• Increase or decrease in income
• Changes in household size: marriage, birth of a child, adoption, divorce
• Changes in address: moving into or out of the area
• Losing or gaining employer based coverage
Changes should be reported as soon as possible, and no later than 60 days after the change.
Before You Sign up for COBRA- Check your options at Healthcare.gov
Consumers and their families who lose employer-sponsored coverage may: 1) enroll in a plan through the Marketplace, or 2) purchase health insurance for a limited time through a program called COBRA.
Coverage through Healthcare.gov? If you leave your job for any reason, you qualify for a Special Enrollment Period, if you act within 60 days of losing coverage. You may qualify for the tax credit, and other cost sharing reductions to make your coverage affordable.
COBRA coverage? Do not sign up for COBRA until you check out Healthcare.gov. Having COBRA renders you ineligible for assistance from the Healthcare.gov. COBRA may be much more expensive, and once you have accepted a COBRA plan, dropping it will leave you without coverage until 2016. Be careful!
Employers- avoid penalties, and get a tax deduction for your company.
The SHOP Exchange is open! Find out about your opportunities and responsibilities under the new laws governing employee healthcare.
Call now, for a free consultation appointment: 541.864.9439
Or book your own appointment online: http://suecarney-appointments.genbook.com
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