It’s the end of the year. I know you are busy. Due dates and holiday parties. But don’t forget to spend some time thinking about health insurance for 2023, especially if you buy an individual plan for you and your family.
Healthcare.gov, the federal marketplace where people who do not get insurance through a job and don’t qualify for Medicare or Medicaid can buy individual health plans, has its annual Open Enrollment Period through Jan. 15, 2023. But – to get coverage that starts Jan. 1, 2023, you have to sign up by Dec. 15. If you enroll between Dec. 16 and Jan. 15, your coverage starts Feb. 1, 2023.
And as I’ve talked about a lot lately, federal changes for 2023 mean more Louisiana families can qualify for financial aid to pay for Healthcare.gov plans, too.
So – which plan to pick? Taking the to shop around and explore your options now can save you a lot of hassle later. Remember to look at the 3 P’s for any plans you’re considering – that’s provider (who’s in the network?), prescriptions (what’s on the formulary and how much it costs?) and perks (plan extras like wellness services or digital resources).
I’ve got some guides that are worth a look as you’re considering which plan is the best fit for your needs:
Looking for guidance on how to start shopping for health insurance? This video can help.
Families that get insurance through an employer may now be eligible for subsidies to pay for Healthcare.gov plans.
When shopping on Healthcare.gov, keep your eyes open.
Details on what Blue Cross producers are watching for in 2023.
How do premiums, deductibles, coinsurance and max out-of-pocket costs work together?
Finding a health plan for you is like buying a car – what works for one person won’t work for another.
Turning 26 and moving of of your parents’ healthcare plan? What should you look for?
What is health insurance, exactly?
And don’t forget that you can always call an experienced agent who can walk you through your plan options – for absolutely no cost and with no obligation to buy. Connect with one by visiting GetPlanOptions.com or calling 1-844-GET-BLUE (1-844-438-2583; TTY 711). Agents are available 8 a.m. until 8 p.m. Monday through Friday and from 8 a.m. to 5 p.m. on Saturdays until Jan. 15. They will be closed Christmas (Dec. 25) and New Year’s Day (Jan. 1, 2023).
Straight Talk is … your health is too important to go without coverage. If you are shopping for individual health insurance, gather information and make a decision soon.
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