Regardless of the election results, we are still in the midst of the Affordable Care Act’s Open Enrollment for individual insurance. While it is now too late to either obtain insurance or change your current plan for a January 1st effective date, it is not too late to enroll or change your plan! The Federal Government allows enrollment to extend through January 31st..
If you qualify for a subsidy and you live in Michigan, go to healthcare.gov and start shopping. If you do not qualify for a subsidy, contact either a health insurance agent or a health insurance company directly for coverage during open enrollment. If you have not enrolled in a plan by January 31st, you will not be able to purchase insurance again, without an qualifying event, until 2018 or until the law is changed. To ensure that you are covered in the event of an illness apply now and ensure your ability to obtain insurance. We at The Dearborn Agency would be happy to help and answer your questions.