Individual Health Insurance

Helpful Information about Health Insurance

The Open Enrollment Period to have an ACA plan with a January 1, 2019 effective date is ONLY November 1, 2018 to December 15, 2018 . Lane County will have more plans available in 2019 than previous years. It is important for you to review your options this year more than ever, due to the various provider networks.

Please call us for an appointment to review your plan and renew your tax credit for 2019. If yours is a simple renewal we can probably handle it over the phone. All of our licensed agents will be working with our ACA clients throughout the Open Enrollment Period. We will be open evenings and Saturdays to accommodate the high volume in the short time frame and your special scheduling needs.

There are three levels of coverage to choose from: Gold, Silver and Bronze. We will check your prescriptions and provider networks for a good fit. The Federal Marketplace Exchange will mail and email notices to you regularly. It is a good idea to collect these messages.

We will use your 2019 estimated income in order to qualify you for tax credits; having information like a recent 1040 or recent pay stubs can help us make that estimate as accurate as possible. If your income is over 400% of the Federal Poverty Level, then you may purchase a plan direct from the insurance company during Open Enrollment time-frame, but tax credits from the ACA will be unavailable.

Though the long-term political future of the ACA remains tenuous, the market for 2019 is looking remarkably stable. Rate increases nationally are actually a bit smaller than most analysts predicted.

We regret that we are unable to process Oregon Health Plan applications. Please call OHP at 1-800-699-9075 for assistance.