Open Enrollment for Individual Medical Plans

Open Enrollment for individual medical insurance will begin on November 15, 2014 and end on February 15, 2015.  Here are some important dates to know;

The earliest effective date is January 1, 2015. You must apply between November 15, 2014 and December 15, 2014.

The latest effective date is March 1, 2015. You must apply no later than February 15, 2015.

Once Open Enrollment closes you cannot change your coverage until the next Open Enrollment period which should be in the fall of 2015, unless there is a Qualifying Life Event which qualifies for a Special Enrollment Period.

I will be sending an e mail in early November to set up phone appointments. If you are interested in reviewing options in Covered California, the Insurance Marketplace/Exchange and the open market please respond to the November

e mail. Rates for all the insurance companies are not available at this time and applications will not be accepted until November 15, 2014.

Premium subsidies are only available through Covered California and will be dependent on household income, the number of household members on a tax filing and geographic area. Covered California will require that you estimate your 2015 Modified Adjusted Gross Income or MAGI. I have attached documents related to subsidy and MAGI. Please discuss your MAGI with your tax preparer before speaking with me.

IF YOU ARE NOT ELIGIBLE FOR A SUBSIDY OR MEDI-CAL, YOU SHOULD NOT APPLY THROUGH COVERED CALIFORNIA. THE OPEN MARKET WILL HAVE THE SAME PLANS AND APPROXIMATE PREMIUMS AS COVERED CALIFORNIA. THE OPEN MARKET SHOULD HAVE MORE PLAN DESIGNS THAN COVERED CALIFORNIA.

 

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The Dennis L. David Insurance Agency | Long Term Care Insurance, Los Angeles Medical Insurance, Anthem Blue Cross Healthcare Insurance, Whole & Term Life Insurance Policies, Cigna, Disability Insurance, Blue Shield of CA, Group Health Plans, Aetna, Group Medical Insurance, Skilled Nursing Insurance, Medicare Supplement Insurance, Medicare Part D Prescription Drug Plans, In-Home Care, Disabled Work Insurance, Disability Benefits, Culver City Health & Life Insurance, Family & Individual Health Insurance, Health Care Reform & Affordable Care Act Assistance, Obamacare, Covered CA Health Insurance, Health Plans, Kaiser Insurance, Genworth Life, John Hancock Life, Culver City Long Term Care & Disability, Employee Benefits, Beverly Hills, Hollywood, West Hollywood, Santa Monica, Pacific Palisades, Marina Del Rey, West Los Angeles, Los Angeles, El Segundo, Sherman Oaks, Encino, Los Angeles, Manhattan Beach, Los Angeles County CA, California

CA Insurance License Number:  0668857

TX Insurance License Number:  1774174