With the 2018 health insurance Open Enrollment underway, we now have a better idea of what to expect in terms of renewals, dates, premiums, and other important considerations. And just like the past four years, this year’s enrollment comes with a number of changes that can significantly affect the way you shop for coverage.
So whether you’re familiar with the signup process, considering applying for a healthcare subsidy, or new to the idea of buying medical coverage on your own, here are a few reasons why calling a local health insurance agent can help save you time, money and stress.
Shorter Open Enrollment Period
Over the past several years, Open Enrollment has traditionally spanned a three-month period. This year it has been condensed to just six weeks, making it arguably the most significant change to the process since the inception of the Affordable Care Act. This leaves less time to make a decision, considering how significantly plans are changing in 2018. We strongly advise not waiting until the last minute, as this leaves you more open to rushed application mistakes, technology issues, overwhelmed phone lines and other unforeseen variables.
Extensive Plan Cancellations & Changes
Major carriers such as Blue Cross Blue Shield and others have made sweeping changes for 2018, resulting in countless plan cancellations. For many this has become the new normal, but for others it will mark their first time comparing plans, making a decision and buying coverage.
Working with an agent who understands the process fluently can expedite signup, while helping you choose a plan that meets you realistic health needs and budget.
Premiums and Deductibles
Last year’s rate increases were among the most substantial we’ve seen, and fortunately they do not appear to be as painful in 2018. This is not to assume that no one will experience premium increases. With so many new plans on the books this year, it’s vital to make sure you fully understand what you’re getting in return. A qualified health insurance agent can help you sort through the various coverage options, eliminating those that are not a match and ensuring that you choose one which suits your financial needs.
Application Errors and Carrier Service
Correcting an error or oversight is no longer as simple as making a quick phone call, and the limited 6-week enrollment period certainly does not make things any less complicated. Of the many perks that come from working with a health insurance agent, having the assurance that your application is complete and error-free is among the most beneficial. At Premier, our agents have direct carrier contacts to help quickly resolve issues, while offering the added confidence that everything is in order from the start.
Premier Simplifies Health Insurance Enrollment
Premier has been serving Lisle, Chicago and all of Illinois since 2003, and we know the ACA/HCR system inside-out. There are no fees for our Open Enrollment services, and absolutely no obligation to purchase coverage from us.
For answers to your questions on open enrollment, plan cancellations, or other health insurance related issues, feel free to get in touch with Premier by calling 800-369-0287 or by writing to us through our contact page.