WEBINAR REPLAY: 2023 Open Enrollment Info
If you missed our 2023 Individual Health Insurance Open Enrollment webinar a video replay is available below.
If you missed our 2023 Individual Health Insurance Open Enrollment webinar a video replay is available below.
On Thursday, January 28, 2021, President Biden announced plans to reopen the federal health insurance markets for a nation-wide Special Enrollment Period. This action is being taken in response to the massive economic effects of the COVID-19 pandemic which has resulted in some of the highest unemployment rates in decades.
The 2021 Special Enrollment Period will begin on February 15 and run through May 15, 2021. Coverage effective dates for those who enroll during this time will begin on the first day of the month following an enrollment date. (For example, an enrollment date of March 4 will have an effective date of April 1.)
Yes. The annual Open Enrollment Period will run from November 1 through December 15. Individuals who enroll during this time will have a January 1, 2022 coverage effective date.
No. If you are currently enrolled in health insurance coverage, you do not need to enroll again. However, if you are interested in changing your coverage, this is your chance to secure ACA-compliant health insurance outside of the annual Open Enrollment Period. Just keep in mind that if you decide to change your plan, your deductible and out-of-pocket maximum will reset based on your new coverage details.
No. Even though this is being called a 2021 COVID-19 Special Enrollment Period, you do not need to have experienced COVID-19, or even a Qualifying Life Event to enroll in (or change) coverage.
To learn more or to begin shopping plans, visit our Health Insurance page or schedule an appointment to speak with a licensed benefits counselor.
The holidays are going to look a lot different this year due to COVID-19.
Every year millions of Americans pile into each other’s homes to celebrate the season with food, family, and football. That urge has never been stronger than this year. With millions of people working from home and many states enacting safer-at-home measures, Americans are feeling the financial, physical, and mental health effects of living in a coronavirus-infected world.
But in addition to practicing social distancing, there are several things you can do to remain healthy while minimizing the risk of contracting and spreading COVID-19 (or any illness).
According to the CDC, “travel increases the chance of getting and spreading the virus that causes COVID-19. Staying home is the best way to protect yourself and others.” And as COVID-19 cases continue to spike throughout the country, many experts are urging Americans to avoid holiday travel.
Many states are imposing new limitations on gathering sizes, extending mask mandates, and even issuing mandatory quarantine periods (or negative COVID-19 test) for people traveling from other states. If you or your loved ones are considering traveling internationally during the holidays, please be sure to make sure the country you are traveling to is granting entry to travelers from your point of origin.
Technology can help us feel connected to our loved ones when we can’t be there in person—something that has proven to be essential for so many people this year.
Video calls have skyrocketed in popularity this year professionally and personally. Zoom did its part to bring people together safely by lifting their 40-minute limit on free meetings for Thanksgiving Day this year.
Consider using video chat services or avoiding in-person contact altogether through the holidays if you or a family member are at a high risk of contracting the COVID-19 virus.
You may want to consider skipping the check-out lines this year and put your health first by shopping for gifts online.
Traditional brick and mortar stores will still be dangerous areas despite heightened cleaning measures. The CDC has listed “Going shopping in crowded stores just before, on, or after Thanksgiving” as a higher-risk activity.
Due to the anticipated surge of online shoppers this season, many big-name retailers have announced changes to their traditional holiday sales such as online-only sales, online pick-up options, and more.
Studies continue to affirm the effectiveness of wearing a mask in helping to prevent the spread of COVID-19. And both local and federal government branches have cited the importance of wearing a mask when around other people who do not live in your home. So if you find yourself going out in public or spending time with friends and family, consider wearing a mask to protect yourself and others.
Modern medicine has yet to fully discover the long-term effects of COVID-19 but there are many health conditions scientists can already link to the virus.
According to the Mayo Clinic, “COVID-19 symptoms can sometimes persist for months. The virus can damage the lungs, heart and brain, which increases the risk of long-term health problems.”
Having health insurance coverage for you and your family can help cover the cost of both major and preventative medical care – and now is the best time to get coverage. The annual individual health Open Enrollment period began on November 1 and runs through December 15.
This is the only time of year to enroll in ACA-compliant health coverage unless you experience a Qualifying Life Event.
For more information on health insurance or to start shopping available plans, visit the individual health insurance page today.
Shopping for something as important as health coverage can feel overwhelming—especially if you’re looking for a plan to help protect your whole family.
With the health insurance landscape changing every year, we know that it can be difficult to stay on top of which carriers and plans are available, so we do all that for you.
By scheduling a 15-minute appointment with one of our licensed benefit counselors you’ll gain access to experts with vast industry insight—who are have studied state regulatory changes and are familiar with the latest available coverage options. Our counselors take the time to get to know your needs, concerns, and budget, to help find you the right plan, not just any plan.
After scheduling your appointment, you’ll want to gather the following information:
Having this information ready when your counselor calls will help them efficiently guide you toward the best coverage for your needs.
This year’s Open Enrollment period is November 1 – December 15. If you enroll in an ACA-compliant health insurance plan during this period, the effective date will be January 1, 2021. This is the only time of year to receive ACA-compliant health insurance coverage, unless you were to experience a qualifying life event.
If you’re ready to see what the 2021 individual health insurance marketplace has to offer, we recommend scheduling an appointment with a licensed benefit counselor now. (Appointment availability becomes more limited beginning in the second half of November.)
For more information or to start shopping plans, visit the individual health insurance page today.
Missed our recent Open Enrollment webinar? View a replay below.
We’ve heard a lot of Open Enrollment myths over the years and want to set the record straight.
Many carriers who initially fled the federal exchange have returned and now offer plans alongside others who have entered the marketplace. This increase in the number of plans being offered has allowed many individuals and families to re-examine their needs and adjust their coverage amounts accordingly.
In addition to having access to the same carriers and plans listed on the federal exchange, the AMSA Health Insurance Marketplace can offer members even more options. To view the full range of available ACA-compliant health plans, please visit https://amsa.memberbenefits.com/.
Now that the federal exchange marketplace has stabilized, there may be lower-cost options for ACA-compliant health plans than past Open Enrollment periods. For example, Blue Cross Blue Shield has filed for a 2.03% decrease in premiums in Texas.
Even if your coverage needs remain the same, you may be able to find a lower premium being offered by a different insurer. We recommend always reviewing the health insurance options available to you during the annual Open Enrollment period.
In previous years, if an individual did not have health insurance for more than 2 months of the year and did not qualify for an exemption they would face a tax penalty of $695 or 2.5% of their taxable income (whichever amount was greater). As of January 1, 2019, the tax penalty known as the individual mandate has been repealed, though some states may still enforce penalties on individuals who don’t have health insurance.
On average, our team will process an enrollment application within 24 business hours and submit it to the carrier. Once the application is with the carrier, their team will take over and require an additional 10-15 business days to process the application.
The carriers often get overwhelmed with applications during the Open Enrollment period, so we recommend enrollees submit their health insurance applications as early as possible.
This year, Open Enrollment runs from November 1 through December 15 with a coverage effective date of January 1, 2020. This is the one time of year where individuals and families can enroll in ACA-compliant health insurance plans.
Ready to start shopping? Visit https://amsa.memberbenefits.com/ to shop ACA-compliant health plans today.
Not sure where to start? Schedule an appointment with one of our licensed benefits counselors and let us walk you through finding the best health insurance fit for your needs.
With 2020 Open Enrollment period in full swing, families across the country are reviewing their current insurance coverages and seeing what other options may be available to them. Below are a few tips to help you navigate the process.
Insurance jargon may be enough to make some people’s heads spin but learning just a few key terms could help you pick the best health coverage for you and your family. To make it easy, here are a few words we feel you should know:
No one can predict the future, but you may be able to take an educated guess as to what the next 12 months could hold. Thinking about the coming year could help you determine how much coverage is right for you and your family. Have you had any health issues in the past year? Are you taking any medications? By examining your current health status and concerns you may be able to narrow down your health insurance plan options.
Did you know as a benefit of your AMSA membership, you have access to our team of licensed Benefits Counselors? Our Benefits Counselors are experts in their field and are standing by to help you navigate the Open Enrollment process and find the best health insurance for you and your family’s needs.
We’ve been providing health insurance answers and guidance for over 30 years. Be sure to visit the AMSA Health Insurance Marketplace for access to appointment scheduling services, webinar replays, and other informational resources designed to help make the Open Enrollment process as quick and easy as possible.
Like last year, the annual individual health insurance Open Enrollment period began on November 1 and will run until December 15. For those who enroll in one of these ACA-compliant plans, you can expect an effective date of January 1.
Non-ACA plans typically do not follow the ACA open enrollment period dates and are available in most states year-round.
Ready to make your decision? Visit https://amsa.memberbenefits.com/health-insurance/ today to secure ACA-compliant coverage for you and your family in 2020.
The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage.
Sometimes our circumstances change, and if they change due to specific events, you and your dependents may be able to secure health insurance through a Special Enrollment Period. When this occurs, it is called a Qualifying Life Event, otherwise referred to as a QLE.
There are several types of Qualifying Life Events that may grant you a Special Enrollment Period. Some of the most common examples include:
Haven’t experienced a QLE but still need health coverage? A non-ACA health plan could be the answer. Also referred to as Short Term Medical Plans, recent legislative changes have loosened the restrictions surrounding these plans and have increased their appeal.
Previously, a Short-Term Medical plan could only provide coverage for up to 90 days. But due to recent regulatory changes, these plans can now be continued for up to a year. Additionally, in some cases applicants may now renew their plan for up to three years.
Because Short-Term Medical Plans are considered non-ACA health plans, it is worth noting that they may not cover all that an ACA health plan would. For example, applicants could be denied coverage due to a pre-existing medical condition, maternity care may not be covered, and there could be an annual dollar limit on coverage. However, these plans are also typically less expensive than ACA plans and could be a good alternative for individuals seeking more affordable options.
Do you think you may qualify for a Special Enrollment period? Are you interested in hearing more about non-ACA plans and if they may be the right fit for you? Our Benefits Counselors are always on hand to help answer your questions and guide you in the direction that will make the most sense for your unique needs.
Visit your association website to learn more about the Health Insurance offerings that may be available to you, or schedule an appointment with one of our licensed Benefits Counselors today.
In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.
The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as: