Individual Health Insurance

Helpful Information about Health Insurance

The Open Enrollment time frame for a Janaury 1, 2018 effective date is ONLY November 1, 2017 to December 15, 2017. There is a limited availablity of plans for 2018. It is important for you to review your options this year more than ever.

Please call us for an appointment to review your plan and renew your tax credit for 2018. We can do it over the phone, if that is easier. All of our licensed agents will be working our clients for the Open Enrollment Period. We will be open in the evenings and week-ends.

The Federal Marketplace Exchange will be mailing and emailing notices to you repeatedly. It is a good idea to save message. We will use your 2018 estimated income in order to qualify you for tax credits.

There are three levels of coverage to choose from: Gold, Silver and Bronze. We will check your prescriptions and provider networks. If your income is over 400% of the Federal Poverty Level, then you may purchase a plan direct from the insurance carrier, during Open Enrollment time-frame.

Our understanding is that if any congressional action takes place in 2017, to reform, replace, or repeal the Affordable Care Act, changes would be effective in 2019 or later.

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