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Shop for Obamacare Coverage: 2025 Open Enrollment
The open enrollment period for affordable health insurance options and ACA supplemental coverage in Washington State runs from November 1, 2024, through January 15, 2025:
- November 1, 2024: First day to enroll, renew, or change plans.
- December 15, 2024: Last day to enroll or change plans for coverage starting January 1.
- January 15, 2025: Last day to enroll or change plans for coverage starting February 1.
You can use Health Sherpa to compare and enroll in ACA Marketplace Plans, access tax credits, reduced cost sharing, and other public programs.
If you miss the enrollment window, you may still qualify for Apple Health (WA State Medicaid) or a Special Enrollment Period (SEP) if you’ve experienced a qualifying life event. Learn more about SEP and the ACA Marketplace HERE.
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I currently provide Life & Health Insurance services in the following states: WA, AZ, NM, TX, OK, NE, MI, OH, TN, SC, FL.
**Please Read Below to Understand all the costs of health insurance and discovering supplemental insurance plans that can help you from going broke due to medical debt, even if you already have health insurance (even Obamacare).
Exploring ACA Health Insurance Plans and Supplemental Coverage
The Affordable Care Act (ACA) Marketplace has offered vital health insurance access for those facing financial barriers, pre-existing conditions, mental health needs, or maternity costs. If you meet certain income requirements, you may qualify for a subsidized monthly premium, making coverage more affordable.
Key Considerations for ACA Plans
While affordable health coverage through ACA plans is beneficial, it often comes with challenges like high deductibles and HMO networks. Deductibles typically separate into health services and medication categories. While some ACA plans have a $0 deductible, others range from $6,000 to $9,500. Generally, a lower monthly premium means a higher deductible and vice versa.
Even with a $0 deductible, you’ll likely face co-pays and co-insurance until you reach your annual out-of-pocket max (usually around $9,500). After reaching this max, your insurance covers 100% of approved services for the year. For some, choosing a lower premium and setting aside funds for emergencies makes sense, especially if they can cover annual deductible needs. But you’ll always need to replenish those funds each year you use it to cover your out-of-pocket medical expenses.
Consider Adding Supplemental Coverage
Adding supplemental health insurance can help bridge financial gaps that ACA plans leave you, especially for major events like accidents or illnesses. In fact, 61% of medically related bankruptcies happen to those who already have some insurance. A mix of ACA and supplemental plans can provide a more complete safety net.
It’s wise to have at least $10,000 per person per year for out-of-pocket costs. However, this doesn’t cover lost income if you’re unable to work. Supplemental insurance can bridge this gap, often including cash benefits for high deductibles and lost income during illness.
Popular Supplemental Options
Consider these supplemental plans to protect yourself financially:
- Accident Medical Expense and Critical Illness: Pays cash benefits directly and is affordable.
- Dental, Vision, and Hearing Plans: Helps with the high cost of maintenance and unexpected needs.
- Hospital Indemnity Plans: Provides fixed benefits for hospital stays or treatments and can act as primary coverage.
Supplemental plans are typically affordable, often without deductibles or co-pays, and can be used nationwide. This flexibility contrasts with ACA plans, with high deductible and which may limit you to in-state or even in-county networks.
Flexible Options for Diverse Needs
Most states no longer penalize people for not having an ACA plan. As a result, some individuals choose to rely solely on supplemental plans for financial protection. These options, often 30-75% cheaper than major medical plans, provide targeted coverage without the high cost of comprehensive plans.
Let’s Find the Right Coverage for You
Whether you’re exploring ACA options or looking into supplemental plans, I’m here to help. Click the link above to shop ACA plans or contact me to discuss options tailored to your needs and budget. Together, we can build a health plan that protects your health and financial future.
Note: Availability of carriers and products depends on your state and county. Washington State limits private carrier plans, emphasizing ACA options. However, talking to a health insurance broker like us can reveal supplementals that can make a big difference. In a lot of states, affordable “Core” plans with no deductible and first-dollar coverage are also available.