To View 2015 Obamacare Plans and Rates,
Open Enrollment for Obamacare has ended.
But you can still enroll today if you had:
Had a Tax Penalty for 2014
Change of Income
Loss of Health Coverage
Married or Divorced
Had a Baby or Adopted
No Longer a Dependent
If none of these happened to you, consider short-term insurance
until open-enrollment re-starts in November
- Outpatient care, or ambulatory services
- Prescription drugs
- Emergency care
- Mental and behavioral health care
- Rehabilitative and habilitative care
- Laboratory tests
- Preventive and wellness services
- Pediatric care
- Newborn and maternity care
Frequently Asked Questions
The 2015 “Open Enrollment Period” ended on February 15 and won’t re-open until November 1, 2015. This was the period where anyone can enroll in health insurance without any restrictions. During the current period outside of Open Enrollment, you can enroll only if you have had a “life event” such as getting married, having a baby, or losing your job. See a full list of qualifications and view 2015 rates here.
If you don’t have insurance, you’ll be fined and you won’t be able to receive free tax subsidies to reduce your monthly cost until enrollment re-opens on November 1, 2015. For 2015 the fine is 2% of your yearly income or $325 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year. In 2016 it is 2.5% of income or $695 per adult, whichever is higher.
If you’re unemployed or make less than $46,680 a year you can get a tax subsidy to help you. Try our calculator or give us a call. Also make sure you know all your options and read our “6 Must-Read Options to Consider Before Enrolling”
There are a number of ways to qualify. Even if you exceed the minimum of $46,680 as an individual, you may be able to qualify for credits. Learn more.
Short-term insurance are temporary health insurance plan designed for people without health insurance or can’t afford the rates of major medical coverage. Generally rates are far cheaper than Obamacare, however you can only have short-term insurance for less than 12 months and you’ll have to provide any medical conditions that may increase your rate, unlike with Obamacare. Also, since it’s not considered minimum essential coverage under the Affordable Care Act (ACA), and you’ll have to pay a tax penalty at the end of the year – about 2% of your annual salary in 2015. You can view short-term plans here.
Still have questions? Give us a call or read more in our news section.