What You Need To Know About The Current Open Enrollment Period

As the face of healthcare changes with the Affordable Care Act and Covered California, understanding how those changes affect you can feel overwhelming. You know that there are scary words like deadlines and penalty fees being thrown about, but do you know how to avoid them? That’s what we are here for! The experts at Bernardini & Donovan Insurance Services would like to offer you the following guide to the basics of the current open enrollment period.

When Is It?

The second (and current) open enrollment period for family and individual insurance plans began on November 15th, 2014 and ends February 15th, 2015.

What Is It?

Open enrollment is the period during which individuals, families, and small business can secure health insurance that will meet the new requirements implemented by the Affordable Care Act.

Do I Need To Sign Up?

Unless you have an exemption or are being provided with coverage by your place of employ- yes. Some “qualifying events” (e.g. moving to a new state, marrying, divorcing, having a baby) may allow you to push your deadline back, but to avoid extra hassle it is in your best interest to secure coverage during this period. If you do not, you can be eligible for a penalty fee.

Where Should I Go To Get Covered?

To be sure the policy you secure meets the Affordable Care Act’s guidelines, you should contact a certified Covered California agent. Bernardini & Donovan Insurance Services in Redlands, California can be your guide to the changing healthcare industry. Our team of experienced agents understands the new requirements and can help you make sure you meet them so you can avoid penalty fees. Contact us today to get great healthcare coverage at the right price!

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