Open Enrollment for Affordable Care Act plans starts today and ends December 15 for a January 1, 2019 effective date. If you're health-focused, concerned about the cost (or non-availability) of an ACA plan and want to reduce the cost of your health care, you should consider enrolling in Health Excellence Plus.
Enrollment can occur at ANY time of the year and if you enroll before November 20 you can elect the plan to start either on December 1 or January 1. (If you enroll between November 21 and December 20, you can elect to have your plan begin January 1, 2019.)
Depending on the age of the oldest member, monthly share contributions can be 30% to 90% lower than with conventional insurance, depending on which of the five plan options you select.
The penalty for not having a plan that complies with the Affordable Care Act will NOT apply beginning January 1, 2019.
If you’ve had a plan that complies (or is exempt from) the Affordable Act for all of 2018, you won't incur a tax penalty if you start your plan as early as December 1, 2018. (If you applied between September 21 and October 20) you could have started your plan as early as November 1 and avoided any tax penalties.)
You can choose a self-directed plan or, if you participate in a plan with a direct primary care physician, one that supplements that doctor’s services and provides protection against major medical expenses. Both of these versions include preventive care services only for colonoscopies, mammograms and childhood immunizations and vaccinations (note that direct primary care doctors provide most other preventive care services as part of their offering).
There are also three other plans that include full, ACA-mandated preventive care services:
- A partially self-directed plan that permits you to establish a health savings account (this is the most popular plan);
- A co-pay network plan that provides co-pays for primary care doctors, specialists, diagnostic x-rays and labs, and CT scans and that resembles a traditional insured office visit co pay plan; OR
- A provider-directed plan (see the following article for more details).
You can learn more about these plans by going to our new website at
. We encourage you to read this website and then enroll directly from the site or call us at
if you have any questions or need help in deciding which plan is most appropriate for your needs.