Now that you have health coverage through the Marketplace, it’s time to review your plan and decide if you need to make changes for 2015. Every fall, your health insurance company sends you a letter explaining changes to premiums and benefits for the coming year. You can choose to stay in your current plan or make changes.
Take action by December 15, 2014 to update your account with Healthcare.gov and verify your premium tax credit and health insurance for January 1, 2015
And, not to worry, we have until Feb 15, 2015 – your changes will be effective just a little later in the year.
Step 1. Review: Plans Change, People Change
Every year, the insurance companies will make changes to the plan:
Consider – how did the coverage work this year? How did you use healthcare? Were you happy with your doctor?
Review your plan’s 2015 coverage to make sure it still meets your needs and you’re getting the best value for plan for you.
Step 2. Update
Starting November 15, visit HealthCare.gov and log into your Marketplace account. Answer a few questions to get to your 2015 application – it will be pre-filled with your latest information from 2014. Step through each page of your application and make changes if you need to. This is important – even if none of your information has changed, you might be eligible for lower costs than last year!You also can call the Marketplace Call Center at 1-800-318-2596 to review or make updates over the phone.
Step 3. Compare
Now we can compare plans for 2015 and apply your premium discount tax credit.
As we get updates from the insurance companies - we'll be in touch with options.
As your agent, we are appointed with ALL the insurance companies. We can help you determine the best plan to meet your needs.
We will help you compare plans and consider:
Step 4: Choose
Choose a health plan for 2015. You can keep the same plan or select a new one that better fits your needs. If you want to stay enrolled in your 2014 plan, use the plan ID in the letter you get from your health plan.
Step 5: Enroll
Stay covered for 2015! Contact the insurance company to confirm your enrollment.Make sure to pay your premium.
Complete all 5 steps to finish enrolling in a health plan, even if you want to stay in the same plan.
This is important to get the coverage you want and the most cost savings that you’re eligible for. If you don’t finish all of the steps by December 15, the marketplace will try to enroll you automatically so you stay covered. But this coverage might not be your best option for 2015 and you could miss out on cost savings.
NEED SOME HELP ?
Please email Dave at email@example.com
Tell us which step you are on and what specific question you have. We'll be back in touch promptly.