Open Enrollment

2020 Open Enrollment Period runs from Friday, November 1 to Sunday, December 15, 2019. If you need to make any changes to your policies or enroll in a new policy, and don’t qualify for a Special Enrollment Period, you only have until December 15, 2019 to act. Contact us now to see if you can save money or get better coverage.

Open Enrollment

2020 Open Enrollment Period runs from Friday, November 1 to Sunday, December 15, 2019. If you need to make any changes to your policies or enroll in a new policy, and don’t qualify for a Special Enrollment Period, you only have until December 15, 2019 to act. Contact us now to see if you can save money or get better coverage.

First, we take our time getting to know your needs and concerns. Then, we thoroughly research different options for you and present only the best coverages that fit your specific requirements.

Healthcare is unnecessarily confusing and expensive. And you have such a limited time each year to review your options. We can help navigate you through different plans, qualifications, pricing, healthcare jargon, and run around. We are not beholden to one insurance company. Meaning, we can act as a true advocate for you by comparing price and coverage at multiple companies, and fight for the best option for you.

We aim to be there for you during your long journey ahead and want to remove the stress of choosing what plan meets your budget and needs each and every year. 

What kinds of health insurance are there?

  • Individual Health Insurance

    Coverage you purchase on your own through an independent insurance agent or directly from the health insurance carrier, as opposed to obtaining insurance through your employer. Individual health insurance is purchased on an individual or family basis.

  • Group Health Coverage

    Coverage to a group of people, such as company employees or members of an organization. Typically, the employer selects the plan (or plans) to offer to employees and eligible family members of employees. Group health insurance is more cost effective because the insurer's risk is spread across a group of policyholders.

  • Long-term Care Insurance

    Covers long-term services and support, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. You get reimbursed a daily amount (up to a pre-selected limit) for services to assist with activities of daily living, such as bathingdressing, or eating.

  • Long-term Disability (LTD)

    Protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.

  • Short-Term Care

    Also known as recovery care, this covers home care, assisted living and nursing homes when you can't take care of yourself. Typically, short-term care provides benefits for 12 months or less.

  • Short-term disability (STD)

    Pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance).

  • Dental Insurance

    Pays a portion of costs associated with preventive, minor, and some major dental care.

  • Medicare Part A, B and D

    Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. Part D adds prescription drug coverage to certain Medicare plans.

What is Medicare?

Medicare is the federal health insurance program for:

-People who are 65 or older

-Certain younger people with disabilities

-People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

What is Medicaid?

Medicaid provides health coverage to millions of Americans, including eligible low-income adults, children, pregnant women, elderly adults and people with disabilities. Medicaid is administered by states, according to federal requirements. The program is funded jointly by states and the federal government.

Read more about Medicare and Medicaid here and here.

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Individual / Family Health Insurance FAQs

When can I enroll?

The enrollment period for health insurance is yearly between November 1 and December 15. Plans you sign up for during this time will begin in January.

Can I get coverage outside of open enrollment?

You can only get coverage outside of a qualified health plan if you are experiencing a qualifying life event. If that is the case, you can enroll in a short-term medical plan, which is not considered a qualified health plan and is not medically underwritten.

Does it cost me any more to work with you to get health insurance?

NO! You will not pay any more using us than you would applying directly at or with an insurance company.  But by using us, we can help make sure you understand the plan options, get all the subsidies you qualify for, and have someone to reach out to should questions come up during the approval process.

How do I get subsidies for my health insurance that I see on

Plans that are eligible for subsidies are referred to as "on-exchange policies". In order to get subsidies, you have to purchase one of these plans.  We can help you apply for the subsidies and then help you find an on-exchange plan that fits your needs.  We'll help set up your plan with the subsidies applied directly to that plan to keep your monthly out of pocket expenses down. 

Do I qualify for subsidies?

To qualify for subsides, your household modified adjusted gross income (MAGI) will be used.  This chart shows you what your income level will need to be to qualify for subsidies. If you are under the 138%, you'll most likely fall under Medicaid.  If between the 138% and the 400%, you may qualify subsidies. There are also things that can disqualify you for subsidies, like having a health insurance plan offered at work that is less than about 10% of your income. Reach out to us if you're unsure if you qualify for a subsidy. If your MAGI is between the 138% and the 250% there are also cost sharing for reduced deductibles and reduced out of pocket maximums. 

Household Size 138% 250% 400%
1 $17,236 $31,225 $49,960
2 $23,336 $42,275 $67,640
3 $29,435 $53,325 $85,320
4 $35,535 $64,375 $103,000
5 $41,635 $75,425 $120,680
6 $47,734 $86,475 $138,360
7 $53,834 $97,525 $156,040
8 $59,933 $108,575 $173,720

*This is based on 2020 Federal Poverty Guidelines.

Can I get an insurance plan that isn't on-exchange?

Yes.  We offer plans that are off-exchange too.  The same on-exchange plans are available at the same rates off-exchange.  There are additional plans offered only off-exchange that we can go over with you too.

Can I get a temporary policy if I missed open enrollment

Yes. We have some options for short term plans.  They are more restrictive and you can be denied for pre-existing conditions, so we will set up a game plan to get you into a new policy during the next open enrollment while using a short term plan to get you there or as close as possible.

Still have questions?

Plans sold during Open Enrollment start January 1 of the following year.

If you have any questions, please talk to one of our team members today. You can reach us at 309-807-0900.

    Health Insurance open enrollment takes place during November. Talk to us today about our ability to write health insurance for you or your business.

    If you have a login for your current insurer, you can use this link to download your current declaration pages and send them right too us. This can drastically speed up the quote process! Just click here.

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