On or Off Exchange

The decision to apply for health insurance On or Off the Exchange (Marketplace) is primarily determined by your eligibility for an Advanced Premium Tax Credit (subsidy).  If you are eligible for a premium subsidy, you must apply On the Marketplace in order to receive the subsidy.  If you are not eligible for a subsidy, the process may be easier by applying directly with the insurance carrier.

Individuals or families who earn less than 400% of the federal poverty level may be eligible for a premium subsidy. In 2016, that is approximately $47,000 for an individual or $97,000 for a family of four. 


Your health plan options may vary On and Off the Marketplace, depending on the carrier. Call or email REGIT for details on the options and assistance in completing your application.  




Don't Forget

REGIT can assist you whether applying On or Off the Marketplace.
So make it easy on yourself and call REGIT to determine your eligibility for a premium subsidy and assistance in navigating enrollment whether On or Off the Marketplace.

"With this mad dash to have health insurance by March 31st, I just don't know what I would have done without Lorraine.  She really knows her product, and helped me whip through the application process.  I had many questions about which program I should choose, and she knew the answer to each and every one which was so helpful.  If you are looking for someone with experience, and who can get the job done, Lorraine is the one for you!
April 24, 2014, Jeanette S.

Serving You Since 1960
  VOL 4 | OCTOBER  2015

  Tips and 
It's hard to believe we're approaching the 3rd Open Enrollment since the implementation of the Affordable Care Act.  This is the first year that insurance companies have had sufficient claims data to set rates and plan design - and that is spurring change.  Most notable is the reduction BCBS is making to networks.  While the changes have not yet been announced, the networks are getting smaller in order to reduce expected premium increases.  Many of the other major carriers have had smaller networks since the implementation of the ACA.

Flu season is around the corner, so find some time in your busy schedule to get your flu vaccination.  The CDC recommends an annual flu shot for everyone 6 months of age and older.  The vaccination is available now and since flu season can begin in October, it is recommended that you get vaccinated early.  If you are covered by an ACA-compliant plan, there is no charge for the flu shot.  Just check with your insurance company to see if you must use a specific facility to receive the vaccine.