Donna

Don't have health insurance in the USA thru an employer but need it for 2025?? ‼️YOU NEED TO SIGN UP FOR HEALTH INSURANCE RIGHT NOW. Enrollment opens up every year for a limited amount of time. You have until December 15 to be covered by January 1, 2025.‼️ I've moved a lot in the past few years. So i've gone thru this process many times. It's intimidating and annoying which results in people not doing it. Do it. In some states they give you a tax penalty if you don't. The way ACA is set up -- they CANNOT deny you health insurance. However, the quality of that insurance and cost of course varies. You might qualify for subsidies! -- making your premium only a few hundred a month. If you're self employed your premiums can be tax deductible and you can set up an HSA account to further maximize if your plan is an HDHP! (of course talk to a tax professional) OKAY ANYWAYS WHERE DO YOU GO? There are 3 ways: 1. Healthcare.gov: the healthcare marketplace at a national level 2. State specific marketplaces like CoveredCA.com (California's marketplace is actually very helpful and makes it easy to compare plans. Not every state has one but you can find out here: healthcare.gov/marketplace-i…) 3. Directly with the insurance companies. For example -- here in TX I had to reverse engineer it. What hospitals / care facilities are local to me? Baylor Scott. Who covers Baylor Scott? Blue Cross Blue Shield. So applied directly with BCBS. bcbstx.com/ What happens if you miss the open enrollment window? You will have to wait until next year to enroll in health insurance unless you move states or qualify for the "special enrollment period". WHAT NOT TO DO Start googling insurance and inputting your information into random ad promoted web pages. Don't both with health insurance brokers. They are not useful and will just spam you with calls. And there are a lot of real scammers out there so BEWARE. WHAT PLAN TO CHOSE? The ideal plan will always be a PPO but those are reserved for those that have been grandfathered in or for employers to offer to their employees. Unfortunately the way ACA works has forced health insurance companies and hospitals / care providers into HMOs where you don't get a lot of choice. I paid extra for a POS. This is a blend of an HMO and PPO. For context because I did not qualify for any subsidies - HMO in California - $800/mo for family of 3 POS in Texas - $1100/mo for family of 3 These are on the "cheaper" end lol since I went with a high deductible, high out of pocket max plan. Hopefully this helps 🧡 RT, send it to a friend, bookmark for later but NOT TOO LATER. December 15. You'll probably have to sit on many customer service calls as many of these legacy health insurance companies are slow and bloated.