OPEN ENROLLMENT FOR 2019

Open enrollment for 2019 health insurance coverage (Obamacare) – begins on November 1, 2018 and will end on December 15th.

When it’s time to review your health plan and decide if you need to make changes for 2019 we can help you review and compare your plan to make sure it still meets your needs and you’re getting the best plan for you. Every fall, your health insurance company sends you a letter explaining changes to premiums and benefits for the coming year. You can choose to stay in your current plan (as long as it’s still offered) or make changes. If you don’t take action by December 15, 2018, you could miss out on better deals and cost savings.

Important dates for 2019 enrollment:

• November 1, 2018: Open Enrollment begins — first day you can enroll in a 2019 insurance plan through the Health Insurance Marketplace or off of the Market Place thru an agent or broker. Coverage can start as soon as January 1, 2019.
• December 15, 2018: Last day to enroll in or change plans for new coverage to start January 1, 2019.
• January 1, 2019: 2019 coverage starts for those who enroll or change plans by December 15.

If you don’t enroll in a 2019 ACA compliant health insurance plan by December 15, 2018, you can’t enroll in a health insurance plan for 2019 unless you qualify for a Special Enrollment Period.

The individual mandate was repealed for 2019. Meaning, Americans without health insurance coverage in 2019 will not be subject to a tax penalty. However, anyone without credible health insurance coverage in 2018 would still have to pay the penalty at tax time.