Open Enrollment 2023
If you had health insurance in 2023, you can renew, change, or update your plan for 2024 during the open enrollment period: Wednesday, November 1, 2023 to Friday, December 15, 2023.
What happens next?
By Wednesday, November 1, 2023 you should get a letter from your current insurance company. Your letter should explain:
- Your 2023 health care coverage status
- Information about the plan that you’ll be enrolled in or matched with if you don’t make any changes by November 1, 2023 (Not all plans automatically renew)
- Any changes in your coverage and financial assistance
Save Money & Find a plan that fits your needs
Update your information and compare your current plan to what’s available for 2024.Or call one of our certified health care professionals at…
The Preferred Provider Organization, or PPO, is the most flexible type of health insurance plan. While an HMO asks that all patients seek medical treatment through their own network of providers, a PPO plan allows you to use doctors, hospitals, and providers outside of its network for an additional cost.Secondary Insurance
Secondary insurance is coverage that is available in addition to a primary health insurance plan, which covers the gaps in traditional health care coverage. Since most health care plans do not cover all of your needs, supplemental insurance plans for dental, vision, accident, cancer, critical illness, disabilities, and long-term care can be purchased. There are no enrollment period restrictions on secondary insurance, you can enroll today.Short-Term Plans:
Temporary health insurance protects you when you face a gap in coverage, for example due to loss of job. Plans may last between 30 days and 12 months – depending on your location. The type of services covered are usually limited to medical emergencies. Preventative care is usually not included.HMO Plans:
The Health Maintenance Organization, or HMO, is the most common type of health insurance. HMO offers a large network of pre-approved health care providers who will treat the patients that have their insurance. Each person on the policy will be assigned their own primary care physician, or PCP, who will oversee that person’s general medical care.Health Savings Accounts:
A Health Savings Account, or HSA, is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. Generally, HSA funds may not be used to pay premiums.Health Care Sharing Ministry
Health Care Sharing Ministries, or HCSM, are organizations in which health care costs are shared among members who have common ethical or religious beliefs. Health care sharing ministries do not use actuaries, do not accept risk, and do not purchase reinsurance policies for its members.
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