Individual Coverage

Individual Health Insurance in Harrisburg and Hanover, PA

The Affordable Care Act (ACA) has had a tremendous impact on the individual health insurance market. By creating a national standard for health insurance underwriting, as well as a national individual open enrollment period, the ACA has made access to individual coverage more available. Hand in hand with that access comes a level of complications which is where an agent can be of significant value.

A couple of items to consider (this list is a good start, but it doesn’t cover everything):

  • National Open Enrollment runs 11/15/14 – 2/15/15
  • Working with an agent doesn’t change your cost – the premium is the same with an agent or dealing directly with the insurance company
  • Every health plan must contain the same Essential Health Benefits with some amount of coverage
  • Plans are organized by metal level
  • Individual policies are guaranteed issue – no medical underwriting
  • The policy year is a calendar year – deductibles reset on January 1st
  • Understand and harness the Premium Tax Credit/Cost Reduction if they apply to you

For some more thoughts on open enrollment, check out our blog.
Health insurance is complicated. We make it simple to get along with.

Contact Webb Insurance in Hanover, PA today!