TROUT INSURANCE SERVICES
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental, Vision, Accident >
      • Cigna Dental, Vision, & Hearing
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment Town Hall
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us

Trout Insurance Blog

ACA Plans for 2022 - So Many Choices!

10/29/2021

0 Comments

 
Picture
​Greetings  …We will have MANY choices for insurance companies for folks who buy their plans through the Health Insurance Marketplace/ Affordable Care Act/ ObamaCare.   In our Western NC region -  there will be a Total of  124 Plans !
BCBSNC | Oscar Health | Bright Health | Ambetter | United Health Care​
And two new companies -  Friday Health & Aetna CVS
Picture
How To Decide If I Should Change? 
 
First  -  2022 Subsidy -  We need to see your actual NET premium after your Premium tax credit.  This is based on your estimated family income for 2022.  Marketplace uses MAGI -  That’s Line 11 on the 1040.  Look at this first and think about what it will be in 2022 !  
CALCULATE
Second  - Bronze, Silver & CSR’s -  All ACA plans are graded into “ metallic levels “ – which work to compare the relative “ horsepower “ of these plans. But all plans within a level are not the same! Some have no copays until the deductible is met, same with Rx which could be a different amount. Or – no deductible at all – you just start paying a percentage from the get-go. And if you are of more modest income – below 250% of Federal Poverty Level- you may qualify for Cost Sharing Reductions on Silver plans; lower copays, deductible and out of pocket maximums.
 
Third  -  Your Doctors -   Many of the companies are HMO – that is “ In Network only “. Are you happy with your primary or specialists? Would you want to change doctors, and would your new one accept your coverage or even you?  Many doctors are not adding new patients. Overall, most of us want the most choice and  flexibility with our medical care.

And Fourth  – Extras  Are there any additional benefits you are looking for ? -  Some plans are adding preventative dental to the plans themselves – no extra cost. Others have convenience of a local “ Health Hub “  or tele -medicine.  Unlimited primary care doctor or mental health visits at zero copay. Zero or low copay for generics. We need to look at how you use health care and then how you want your insurance to work 
 
NEXT – After November 1 -  We’ll be able to see all the plan options and what your actual premium would be with the updated subsidy amounts. We’ll be sending you specific information for you and your family. You can update your information for us HERE
GET QUOTE

​AND - We welcome
the Opportunity to work with other people you know. Please forward them this email and we can get started! 
 
We appreciate the opportunity to work with you over the years.
Picture
0 Comments



Leave a Reply.

    Categories

    All
    Business Owners
    Community
    Health Insurance/ Marketplace
    Home & Auto
    Life Insurance
    Medicare
    Over 65

    RSS Feed

Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

contact@troutinsurance.com
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
Picture
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental, Vision, Accident >
      • Cigna Dental, Vision, & Hearing
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment Town Hall
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us