Big News for Health Insurance in 2021

For the first time in many years, we will have choices for insurance companies for folks who buy their plans through the Health Insurance Marketplace/ Affordable Care Act/ ObamaCare.   

​BCBSNC | Oscar Health | Bright Health | Cigna | Ambetter | United Health Care​
Our agents at Trout Insurance are ready to work with you.  We have been facilitating Marketplace plans since the inception of this act October of 2013 when Healthcare.gov crashed every 67 seconds.  From that time, we have completed thousands and thousands of enrollments. As independent agents, we are appointed with all the new companies and ready to help you with new 2021 coverage. We’ll have details of the 2021 plans soon.

Comparing • Evaluating • Renewing • Enrolling

First, we will need your updated information, including responses to the questions below:   
  • Did you reconcile your Premium Subsidy on your 2019 Tax Return?
  • Your estimated income for 2021 – click here for details
  • Your primary care doctor and any specialists. Some new plans have a limited network of approved providers.
  • Family members and ages (i.e., new baby, 26-year-old coming off your plan, etc.)
  • Current address, e-mail and phone

Link to Checklist
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Next, you can start entering information to gain a quote. We use Health Sherpa, an approved ACA web broker. This program allows us to navigate through the Marketplace application quickly and easily.  Think of it as going through the backdoor straight to the kitchen where the cookies are. All the new companies will be available on this software.

Get a Quote Today! 

Renewal of Your 2020 Plan & Premium Subsidy ​

In early October you will receive a Renewal Rate Notice from your current insurance company . This will specify what your current plan will cost in 2021 if there are no changes. But the premium subsidy is the amount listed for 2020 plan year and NOT the new 2021 calculation. Insurance companies are required to send this early. The new calculation for 2021 will be available only as open enrollment starts (November 1, 2021).
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The subsidy is calculated based off the cost of the second lowest Silver plan premium.  Likely, that premium will see a decrease in 2021. And since you have gotten a year older, your premium after the discount may have increased.
“Wow – is this rocket science or what?!"

Yes, but not quite. 2021 will be a challenge especially here in western North Carolina where we have the most choices. We are your trusted and experienced agents and advisors. Just like all those little skilled people above, we’ll get you safely blasting off with the most effective plan for your family and you.