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Annual Enrollment Period
Good news for the majority of our renewing clients this year
Our research has led us to be cautiously optimistic concerning rate increases for 2017 as it appears that over 80% of our clients should see smaller net premium adjustments than we’ve been experiencing over the last several years. We believe that the majority of our clients will not need to do anything at all during this renewal season unless a significant change in Modified Adjusted Gross Income is anticipated for 2017. There are always exceptions to the rule and we are here to help you evaluate all of your options if you happen to be in the minority that receives a higher net rate increase than normal.
Important dates to note:
- November 1, 2016: Open Enrollment starts — first day you can enroll, re-enroll, or change a 2017 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2017.
- December 15, 2016: Last day to enroll in or change plans for coverage to start January 1, 2017.
- January 15, 2017: Last day to enroll in or change plans for coverage to start February 1, 2017.
- January 31, 2017: Last day to enroll in or change a 2017 health plan for coverage to start March 1, 2017. After January 31, 2017, you can enroll or change plans only if you qualify for a Special Enrollment Period.
Important information based on specific scenarios:
- New customer needing to purchase health insurance
- Renewing ACA subsidized customers
- Renewing ACA non-subsidized customers
- Renewing Non-Grandfathered Transitional customers
- Renewing Grandfathered customers
Referral Rewards:
Other Insurance Products that WIA offers BEYOND Health Insurance:
Helpful Resources:
2017 AEP Questionnaire:
Complete this questionnaire and have on hand for your scheduled appointment with us IF you are a new customer purchasing new coverage, OR if you are an existing customer desiring to potentially change plans, OR if you are an existing customer needing to report a change of projected income or household size for 2017. If you are renewing with no changes you DO NOT need to complete this questionnaire.
To determine projected Modified Adjusted Gross Income as well as household size for subsidy:
- https://www.healthcare.gov/income-and-household-information/income
- https://www.healthcare.gov/income-and-household-information/how-to-report
- https://www.healthcare.gov/income-and-household-information/household-size
2016 Federal Poverty Level Tables (to be used for 2017 tax year):
People who typically WIN under the Affordable Care Act are those who do not have access to employer sponsored group health insurance (either through their employer or their spouse’s employer) and who can project a Modified Adjusted Gross Income between 100% - 400% of the Federal Poverty Level, based on their household size. Check out the Federal Poverty Level Tables (below) to see if you might be a winner. The BIGGEST WINNERS are typically those folks without employer sponsored group access who can project a Modified Adjusted Gross Income between 100% - 250%...
Affordable Care Act General Information:
Helpful Information from BCBSNC: :
- http://blog.bcbsnc.com (“What our 2017 ACA rates mean for you” click on “Read More”)
Privacy Notice Statement:
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