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What to do if you are happy with your health plan during open enrollment

Open Enrollment is almost here!

If you are happy with your health insurance plan, there are still things to keep in mind when open enrollment comes around.

Here is a few things you should keep in mind during Open Enrollment 2018.

Your coverage may automatically be renewed; even so, you may want to take steps to renew it yourself during Open Enrollment.
You don’t want to risk the chance of having no coverage.

In most states, you can let your policy auto-renew.

But auto-renewal isn’t always available, as some carriers exit the market from one year to another, and exchanges can alter their enrollment platform.

Even if you’re among the majority of enrollees for whom auto-renewal is available, it’s typically not the best option for most people.

In some cases, health insurance carriers make changes to their plan designs or network structure, and “map” current enrolles onto the most similar new plan. If you are on an auto-renew plan, your plan may change slightly. If you are not happy with the changes, be sure to shop around and see what options can work for you.

If you are receiving a premium tax credit, it is wise to go through the process of reviewing your plan. You may decide that you need to update your income and family information.

You may be eligible for based on the new premiums for the coming year, be sure to check if you are eligible for tax credit.

The 2019 Open Enrollment Period runs from November 1, 2018, to December 15, 2018.
Plans sold during Open Enrollment start January 1, 2019.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.

 

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