Enrollment for January 1, 2016 coverage closes at midnight on the 15th for most states. All states that use Healthcare.gov and most of the state based exchanges have a deadline then. Here are a few reminders for how to make decisions as you look for on-Exchange healthcare.
- If you make under 200% FPL (~$23,000 for a single person) look very strongly at Silver as Silver is bumped up to either Platinum Plus or Gold Plus coverage with Cost Sharing Subsidies.
- Before you shop, write down your maximum comfort level of being hit with a mega bill.
- Try to find coverage where the out of pocket maximum is slightly less than your discomfort level
- Write down who your preferred doctors are and what hospitals you use or want to use
- Check to see if those providers are in network
- Make sure you have filed your taxes or will file them as soon as possible for 2014.
- If you make over 400% FPL, look to buy off-Exchange as there are more plans as OFf-Exchange is all On-Exchange plus a few more options.
- If you live in a Medicaid rejection state and your income is just below 100%, if you can make a good faith estimate to bump your income to 100.1% of FPL, do so.
- If you need any help, talk to a navigator
- Use this thread as a resource. I’ll be checking throughout the day and will help when and where I can.
Enrollment reminders on December Deadline dayPost + Comments (37)