Health Insurance Enrollment Dates 2016

Important dates for 2016 enrollment:

• November 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 Marketplace plan. Coverage can start as soon as January 1, 2016.

FYI2016 plans and prices will be available for preview the third week of October, 2015.

• December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016.
• January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
• January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
• January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

If you need a quote please go to www.MintcoFinancial.com

Call us at 716 565 1300

What if I make too much for Medicaid but still can't afford coverage?

Free Quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

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What if I make too much for Medicaid but still can't afford coverage?

You might be eligible for government subsidies to help you pay for private insurance that would be sold in the new state-based insurance marketplaces, called exchanges, slated to begin operation in 2014.

Premium subsidies will be available for individuals and families with incomes between 133% and 400% of the poverty level, or $14,404 to $43,320 for individuals and $29,326 to $88,200 for a family of four.

The subsidies will be on a sliding scale. For example, a family of four earning 150% of the poverty level, or $33,075 a year, will have to pay 4% of its income, or $1,323 annually, on premiums. A family with income of 400% of the poverty level will have to pay 9.5%, or $8,379.

In addition, if your income is below 400% of the poverty level, your out-of-pocket health expenses will be limited.

Free Quote: 

http://www.mintcofinancial.com/health-insurance-obamacare-quote

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What is health care reform? Will everyone be able to get health insurance?

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What is health care reform?

Health care reform" refers to a federal law called the Affordable Care Act, which was passed in March 2010.
Health care reform also includes laws passed in each state to support the Affordable Care Act.
To most people, health care reform means:

• New and better ways to get affordable health care coverage
• More options for receiving quality medical care
• As of January 1, 2014, citizens are required to have health insurance or pay a penalty.

The only people who won't have to buy health insurance or pay a penalty are:

• Those with certain religious beliefs
• Members of Native American tribes
• Undocumented immigrants
• Those who are in prison
• Those whose income is below a certain level

Will everyone be able to get health insurance?

Yes. Insurance companies will be required to accept everyone, even people with medical conditions like diabetes, asthma or cancer.

This is a big change that will help people with “pre-existing conditions.” This means illnesses or injuries they had in the past or have when they sign up for health insurance.

You might get health insurance through your employer, a public program (such as Medicare or Medicaid, also called Medical Assistance) or a private insurance plan.

Free Quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300

Health Insurance: Will everyone be able to get health insurance? I have a pre existing condition

Free Health Insurance quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300

Will everyone be able to get health insurance?

Yes. Insurance companies will be required to accept everyone, even people with medical conditions like diabetes, asthma or cancer.

This is a big change that will help people with “pre-existing conditions.” This means illnesses or injuries they had in the past or have when they sign up for health insurance.

You might get health insurance through your employer, a public program (such as Medicare or Medicaid, also called Medical Assistance) or a private insurance plan.

I have a pre-existing condition. Can I get coverage?

Beginning January 1, 2014, you can get insurance coverage even if you have a pre-existing condition like asthma, cancer or diabetes. Under the new law, insurance coverage will not be denied to those who have serious illnesses or injuries, or who had them in past years.

This is a big change that will help many people who have tried to buy coverage and were rejected because they had a pre-existing condition.

Another important new law provides unlimited annual and lifetime coverage. Beginning in 2014, health plans are not allowed to put dollar limits on what they cover in one year or during your lifetime. So if you need a lot of health care treatment, you don’t have to worry about “running out” of insurance.

Free Health Insurance Quote: http://www.mintcofinancial.com/health-insurance-obamacare-quote

Call 716 565 1300

How to Find Affordable Health Insurance in 2015: Online and through an agent

Buy Through an Agent

An insurance agent can be a good option if you’re overwhelmed by your choices and feel you need expert help to make the right health insurance decision.

There are two main types of insurance agents: “Captive” agents offer products through only one company, while independent agents (also called brokers) can help you choose a plan from one of several insurers.

If savings is your bottom line, it probably makes more sense to work with an independent agent who will be able to find and compare more options. But if you’re set on working with a certain company, a captive agent may better know their products.

Mintco Financial team of independent agents can help you. Call us at 716 565 1300 or go to www.mintcofinancial.com

Buy Through  Online website

Online insurance finders like www.MintcoFinancial.com are kind of like independent agents, with the personal touch. 

Convenience is your major advantage with online services, as they’ll save you the time and effort that’s involved in meeting with an agent, but you can call to speak directly at 716 565 1300 . 

How To Find Private Health Insurance

How To Find Private Health Insurance

Private health insurance is the main source of health coverage for the majority of people in the United States. Approximately 58% of all Americans have private health care coverage. For elderly citizens and eligible children and families from low-income households, public programs are the primary source of health cover. Public programs include Medicare, Medicaid, and SCHIP. TRICARE and the Veterans programs also provide some coverage.

If you are not covered by a publicly funded program, or if your coverage is only partial, you will need to have some kind of private health insurance.

Check out price comparison sites for the best deals

Health insurance can be difficult to understand, so buying via comparison sites won't suit everyone. Using a comparison site may be a good place to start your research - but if you're not sure what you're buying contact Mintco Financial or call 716 565 1300 or 813 964 7100.

When is open enrollment 2016: Health insurance

Open enrollment for 2016 begins November 1, 2015 and ends January 31, 2016.

Basic Health Program coming in 2016

On April 17, New York State of Health announced that they will introduce a Basic Health Program (BHP) in the fall dubbed the “Essential Plan.”  It will be available during the general open enrollment that begins on November 1.  BHPs are an option available to all states under the ACA, but thus far, only New York and Minnesota have received federal approval for their BHPs.

In New York, the BHP will be available from a variety of private carriers, will have no deductible, and will have no premium for enrollees with incomes up to 150 percent of the federal poverty level.  Enrollees with incomes at 200 percent of the federal poverty level will pay just $20 per month in premiums.  Currently, enrollees with incomes between 138 percent and 200 percent of poverty are eligible for premium subsidies and cost-sharing subsidies, but switching to a BHP during the upcoming open enrollment may result in lower premiums and lower cost-sharing.

Call 716 565 1300 to enroll or email us at mminter@mintcofinancial.com

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