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Trout Insurance Blog

ACA Plans for 2022 - So Many Choices!

10/29/2021

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​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
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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.
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Trout Insurance Services

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​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
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Fax: 1.888.221.4842
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Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
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“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.”
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  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • 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
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • WNC Strong
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us