The next Open Enrollment period under the Affordable Care Act (ObamaCare) will begin November 1, 2016 and end January 30, 2017. The earliest an individual and/or family policy can become effective during the Open Enrollment period is January 1, 2017. However, to have a January 1, 2017 effective date the application must be completed no later than December 15, 2016.
There are a number of changes in the individual/family health care market in Texas for 2017 that will impact your available options. Examples: (1) Aetna and Cigna have elected to withdraw from the Texas Government Exchange Marketplace (2) United Healthcare has withdrawn from all of the Texas market, both ON and OFF the Government Exchange Marketplace (3) Blue Cross has terminated CVS pharmacy as a provider however, they will continue to offer plans both ON and OFF the Government Exchange Marketplace Plus continue renewing their grandfather plans for members in 2017 (4) Cigna, Aetna and Humana have all made a decision to no longer compensate brokers for their services to insurance company members in 2017. As a result, we will no longer represent Cigna, Aetna and Humana in the Texas individual healthcare market. (5) The majority of insurance companies will no longer offer plans outside of the Open Enrollment period during 2017 and many are reducing the number of physician/hospitals available in their provider network. Some insurance companies that offer HMO’s in 2017 will no longer require the member to designate a Primary Care Physician (PCP) and may now offer Open Access, which allows members access to network specialist without a referral. Other key changes include plan design in addition to financial adjustments of deductibles and co-pays. All are expected to have significance premium increases. The Good News is that we now represent three additional insurance companies (Memorial Hermann Insurance Company, Community Healthcare and Molina Health Care) offering plans in the Houston Area for 2017. Insurance regulators and insurance companies will not make final rates, for 2017, available for the market no earlier then two weeks before Open Enrollment.
Our team of professional brokers will continue working with our many clients whose coverage may be impacted by the multi insurance company changes scheduled for 2017. Our objective, as always, will be to guide you in finding the most acceptable coverage. As a reminder, “our service cost you nothing, and we GUARANTEE your premium, for the same health insurance benefits, will be NO greater than if you purchased your individual and/or family health insurance directly from the insurance company by yourself.”
To request a free, no obligation, online Quote, Simply click on the blue quote bar above. Should you have questions or need assistance with the online quoting process or like a personal consultation regarding your situation or help in completing your online application for health insurance please give Laura, an RN and experienced career broker a call in the Greater Houston Area (936) 321-6286 or toll free 1 (888) 780-1215 anywhere in Texas.
Additional key points of interest you may want to review are highlighted below:
- Premium Subsidy (Advance Premium Tax Credit)
- Apply For Advance Premium (Subsidy) Tax Credit
- Insurance Companies We Represent
- Apply for Health Insurance
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