Texas are you ready? It is almost that time of year again, the healthcare Open Enrollment period. Since the Affordable Health Care Act (ACA) was passed, how you buy health insurance has changed and got lot of people confused. The open enrollment period for the health insurance is the only time when you can apply for a new policy. Because of this small window, we have provided some key dates so you don’t miss out on these important deadlines.
Texas Healthcare Open Enrollment 4 Key Dates:
November 15, 2014 — Open Enrollment begins.
You can apply for a new plan at this time, keep your old plan or change your coverage.
December 15, 2014 — Enroll by the 15th for January 1 coverage.
If you want new coverage that begins on January 1, 2015, you have until December 15th to make your choice. If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.
December 31, 2014 — Coverage ends for 2014 plans.
If you didn’t enroll by December 31st, you can still enroll up until February 15th, however your coverage may not start on January 1st.
February 15, 2015 — Last day to apply for 2015 coverage
If you do not apply by February 15, 2015 — before end of Open Enrollment, you won’t have another opportunity to enroll in an ACA plan unless you qualify for a special enrollment period. This may result in penalties.
You do have to apply during the healthcare open enrollment but you DO NOT have to apply on the marketplace or at healthcare.gov. You CAN use an agent/agency to help you with the process and it doesn’t cost any extra to get advice from an agent.
You can always call us at 877-740-8683.
We are PPACA certified and premier agents with BCBS, Humana, Cigna, Aetna, Assurant, UHC, and many others. We are also licensed in 28 states.