2017 Buffalo NY Open Enrollment Health Insurance

November 1, 2016 – 2017 Buffalo NY Open Enrollment Health Insurance open enrollment begins. You can sign up for a plan or initiate a switch to a different plan, with coverage effective January 1, 2017.

Open enrollment for Obamacare (née the Affordable Care Act) for 2017 begins Nov. 1, 2016 and lasts through Jan. 31, 2017.

Health insurance plans can change each year, so even if you think you want to keep your current plan, it’s important to review the details of each available option before you make your selection. Look at the costs, including monthly premiums, copayments, coinsurance and deductibles, to see which structure works best for you and your family. Also review the coverage details to make sure benefits you use are included (or have not been reduced or removed from your existing plan), such as pharmacy benefits or lab services.

2017 Obamacare

The Affordable Care Act, also known as Obamacare, was put in place to help insure the millions of Americans who do not have health insurance for a variety of reasons – financial hardship, employers not offering insurance or pre-existing conditions. The ACA Marketplace has health insurance plans that address the following:

  • All plans meet the minimum essential coverage standard set forth by the ACA
  • You cannot be denied health insurance due to pre-existing conditions
  • You may be eligible for tax credits and cost assistance to reduce the price of your premiums
  • You cannot be charged more due to health status or gender
  • Young adults can stay on their parents’ health insurance until age 26
  • Improved healthcare for women, including free preventative treatments and screenings

Finally, as of 2015, you must have health insurance or else pay a tax penalty (which increase each year for children and adults)

Where can I find the best deal?

This answer is different for everyone.  Income, family size and are you live all plan a part into that equation.  The best way to find the cheapest policy, that will actually be affordable when you want/need to use it, is to talk with one of our agents.  We can email you a no-obligations quote showing you all your options, and calculate your estimated premium subsidy.  Then the most important part is knowing how the plans will cover you.  We can explain it all in about 10 minutes and get you set up from there.

Buffalo NY Health insurance Quotes

Compare Health insurance Plans HERE!

Contact us to speak with one of our Health Insurance Agents at 716 565 1300