Did you know that?
Affordable Care Act started in 2014. Most people is still not familiar on how to enroll on affordable health insurance in Oregon. Most Oregonians are only allowed to switch health insurance plans. These are certain times of the year called annual open enrollment, unless special conditions apply. During open enrollment you can also apply and qualify for any financial assistance to make your health insurance premium affordable. Each health insurance plan is structured slightly differently. However, each health insurance plan is required by law to cover certain things.
How to apply for Affordable Health Insurance in Oregon during open enrollment?
Health insurance open enrollment in Oregon requires people either to use the federal website called Health Insurance Marketplace or get the help of a licensed and certified health insurance agent. Oregon does not have its own website to access its state’s Health Insurance Marketplace. Using the federal website typically takes an hour or more to complete enrollment. But, the good news: with the help of a certified Health Insurance Marketplace agent like Health Plans in Oregon, we can enroll you in about 10 minutes or you can use our website to compare the different health plans in Oregon and enroll on a health insurance that fits your needs and budget. Even if you are satisfied with your health care plan and enrolled last year, you may still need to re-enroll.
Fact:
When comparing health care plans you need to look at more than just the premium rates. Many different carriers in Oregon offers several different plans. As a result, the options can get confusing. We want to make it easy for you. We are here to explain all of the differing details thus helping you make the best choice of health care plan for you, your family, and even your small business. We’re local Oregonian and certified Health Insurance Marketplace agents that knows the ins and outs of each of the health insurance plans in Oregon.
In addition to a premium, each health plan with have other out of pocket costs. Most office visits will require a co-pay, which is typically between $5 and $25. The higher the premium a health plan requires the lower the office co-pay will be. Also, lower premium plans will have a higher deductible, or a higher amount you will have to pay out of pocket before insurance will cover the rest of the medical costs.
Too much to consider, right?
The best health insurance plan for you will depend on the size and ages of your family, how often you go to the doctor, and what kind of health you and your family is in. For young, healthy people, often a low premium, high co-pay and high deductible health plan makes the most financial sense. The more often you go to the doctor, the more it might make sense to go with a plan that has lower co-pays and a lower deductible. If you suffer from a chronic illness, a high premium plan may save you money over the course of a year.
But, that’s not all:
Not only will you need to choose a health plan during open enrollment, you will have to provide some tax information from the last tax return. You will need what is called your adjusted gross income. This number is used to determine if you qualify for financial assistance to help get an affordable health plan. Once you provide us with this information we can instantly find out what level of financial assistance you qualify for. You will want to know what level of assistance you are getting before making a final choice about your health insurance plan. It’s ONLY through the health insurance marketplace that you can get the financial assistance or through the federal website. If you enroll directly through the insurance carrier, you don’t get the benefit of tax credit or financial assistance.
Ready?
The sooner you contact us the sooner you can rest easy, knowing you’re enrolled on Affordable Health Insurance in Oregon and secure for another year.
Feel free to call us at 503-928-6918 for any questions. Our assistance is no cost to you.
