Individual & Family Health Insurance Plans

Open Enrollment for the Exchange begins November 1, 2023, and ends January 15, 2024. To have a January 1 effective date, applications must be submitted by December 15th. Policies are available sooner if you’re experiencing a Qualifying Life Event.

For others, short-term health insurance plans are an alternative to bridge gaps. If you’re unsure of your choices, contact us to discuss your options.

Year-Round Enrollment Opportunities

Year-round enrollment opportunities include recent loss of Medicaid or Group Coverage, or other Qualifying Life Events. There is a long list of qualifying life events – view the list here. There are some nuances to these situations, so it’s advisable to discuss with a knowledgeable broker before applying.

Affordable Care Act Plans

The Affordable Care Act has changed the way we buy insurance. In some areas, there are fewer options with smaller networks. If you’re losing group insurance, then you may be finding this out for the first time.

The Exchange/Marketplace is a great option if you qualify for a tax credit based on your income, or if you have preexisting conditions. There is no medical underwriting, and it is a guaranteed issued product based on qualifying event.

There is no right or wrong way to buy health insurance for yourself or your family, but you may have many questions. Navigating the Exchange with little or no guidance can be difficult. We can help you see if your doctors are in network and assist with pricing any prescriptions you’re concerned about.

Health Insurance Quotes Direct and Online Enrollment

We recognize that you may wish to quickly enroll in a medical coverage plan without agent assistance. We have provided links for our independent clients. You are buying directly from the insurance company. Impact Insurance will be agency of record, but this does not add any extra cost to your coverage. You’ll be able to see all Exchange plans available in your area. And our software will allow you to apply for any tax credit available to you and/or your family.

If you wish to speak with us about your coverage options, there is no additional cost either. We assist you in purchasing directly from the health insurance provider. You get the advantage of comparing health insurance plans from several competing carriers with our expert knowledge before purchasing coverage.

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