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Sorry, the Exchange is Closed! Now What?
A few options for health care insurance prior to November 2014.
Having, adopting, or placement of a child
Permanently moving to a new area that offers different health plan options
Losing other health coverage (for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified)
As stated earlier, there are still many fine options for health coverage outside of an ACA compliant plan. You can still enroll in work sponsored plans during their open enrollment periods. No change here! This is probably the most popular solution. Other health insurance plan choices may include, "first dollar" plans, often referred to as indemnity plans, which pay a set dollar amount for health services rendered. These plans can be both affordable and very effective when coupled with other total protection products such as accident and critical illness plans, and may also work within a PPO system which adds cost savings to the customer.
If you are in a transition period from one job to another or you are just waiting until the next enrollment period to enroll in an ACA plan, you may want to consider a short-term major medical plan. These plans can be tailored to your budget and needs for just about any period of time (up to 6 to 12 months, depending on your state of residence). Just like any health insurance plan, you will want to fill in the deductible gaps with a quality accident plan and some form of critical illness plan. I would recommend a total protection strategy even if you have an ACA plan.
The only way to know which plan is most affordable and right for you situation is to contact a health insurance professional. If you live in Colorado or Texas and you need to learn more, please visit my website at http://bobnovotney.com, be sure to click on the Health Tab find our more and to request more information.
Bob Novotney USABG Independent Agent