2024 Health Insurance Open Enrollment
What you Need to Know!
The 2024 Health Insurance Open Enrollment is on the horizon and our team is here to keep you up-to-date on all the latest developments on what North Carolina residents need to know as they elect their health insurance coverage for next year. Our team of professional health insurance brokers has been diligently training to learn the ins and outs of this year’s health plans and new regulations in the realm of health insurance. We are available to help you look at all your options in your North Carolina county.
During the Open Enrollment, individuals can explore insurance options, compare premiums, and select a health insurance plan that suits their needs under the Affordable Care Act (ACA). The time to select a new health plan is coming up and you don’t want to miss these important deadlines if you are looking for affordable and reliable health insurance coverage.
Important Dates for 2024 Health Insurance Open Enrollment
Navigating health plans involves understanding aspects like health coverage, deductible and prescription drug coverage offered by different insurance plans. Instead of trying to figure it all out by yourself, we can help you evaluate the cost-sharing mechanisms, including coinsurance and deductibles, associated with health insurance plans, ensuring that the financial aspects align with your budget. We can also help ensure that your chosen insurance plan complies with the ACA, benefiting from the essential health benefits, preventative care, and subsidies for those who qualify.
This is a lot to cover, and can be very confusing when you are on your own, which is why you should be sure to reach out to us for the following dates:
- Open Enrollment starts November 1, 2023.
- Enroll by December 15, 2023 for coverage that starts January 1, 2024.
- Open Enrollment ends January 15, 2024.
The North Carolina health insurance landscape is ever-changing and that’s why it is important for you to have a trusted health insurance agent on your side. For those eligible for Medicare, we can help you consider exploring Medicare Advantage plans that go beyond the basic coverage, providing additional health benefits. Our independent insurance agents can also take the time to work with our clients to make sure they are aware of any special enrollment opportunities, allowing qualifying individuals to enroll outside of the regular enrollment, due to life events or changes in circumstances.
How We Can Help You
You should not have to try and assess the prescription drug coverage or other benefits provided by insurance plans by yourself, especially if you rely on medications to manage out-of-pocket costs effectively. As we guide our clients through the enrollment process, we help them explore coverage options for individuals, including Medicaid, subsidies, and affordable health insurance plans tailored to individual needs; we also help them consider options from reputable private insurance companies, like Kaiser or UnitedHealthcare, known for providing comprehensive health plans and financial assistance programs.
We can help you look at the following important factors:
- Are my family’s current doctor(s) covered in-network?
- What hospitals are in my family’s network?
- What type of in-network doctors does my family have in the local North Carolina area?
- Will my family be covered if we see a doctor out-of-state?
- Does my family qualify for a cost-share reduction plan?
- Do we qualify for a subsidy/tax credit for 2024?
- Does anyone in your family have pre-existing injuries or conditions?
- What is my family’s out-of-pocket maximum?
Keep Your Open Enrollment Season Simple
Our team of licensed health insurance agents based here in North Carolina are here to make the 2024 Health Insurance Open Enrollment simple for you. It is important to work with a professional health insurance agent to find the perfect information plan that is right for you and your family (and your budget)! Contact us today by calling 919-285-4732 for more information.
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