Don't Miss Out: Navigating Open Enrollment in the Health Insurance Marketplace
Important Note: This blog was originally published in 2023. While the core information remains relevant, health insurance regulations, deadlines, and plan details can change. For the most up-to-date guidance, contact Acuhawk Insurance Solutions—we’re here to help!
As the year draws to a close, the ticking clock reminds us of an important deadline: the closure of the open enrollment period for health insurance coverage through the Marketplace. This is a critical time for individuals under 65 and families to secure insurance that aligns with their needs, with December 15th marking the last chance for coverage starting on January 1st. If you need a February 1st start date, you have until January 15th. Let’s explore why taking action during this window is so important.
Key Open Enrollment Deadlines
Enroll by December 15 → Coverage starts January 1
Enroll by January 15 → Coverage starts February 1
Miss both deadlines? → You may have to wait until the next open enrollment period, unless you qualify for a Special Enrollment Period.
The Role of an Insurance Agent
Navigating the insurance marketplace can be overwhelming, but you don’t have to do it alone. Working with an independent agent—at no extra cost—ensures you have a knowledgeable advocate who can help you compare plans, maximize savings, and choose the right coverage for your unique situation.
Tax Credits: A Key to Affordable Coverage
One of the biggest advantages of enrolling through the Marketplace is tax credits, which can significantly reduce your monthly premium. If you qualify, these credits can make quality healthcare much more affordable. Understanding your eligibility and how to apply these credits can help you maximize benefits while minimizing costs.
The IRS Family Glitch Fix
Previously, some families were unable to qualify for subsidies because their employer-sponsored plan was considered “affordable” for the employee—even if adding dependents made the total cost unaffordable. Recent changes have fixed this issue, making it easier for families to access financial assistance and more affordable coverage.
Why You Should Act Now
Procrastination can leave you uninsured or stuck with a plan that doesn’t meet your needs. Enrolling before the deadline ensures:
✔️ Coverage starts when you need it
✔️ Access to premium tax credits and subsidies
✔️ Peace of mind knowing you’re protected for the upcoming year
The open enrollment period is your opportunity to secure healthcare coverage that fits your needs and budget. Don’t wait until the last minute—take advantage of expert guidance, available tax credits, and recent policy improvements to get the best coverage possible.
Need Help? Contact Acuhawk Insurance Solutions
Our licensed agents are here to help you navigate your options and ensure you find the best coverage available in your area.
📞 Call us today for personalized guidance.
Or, if you prefer to start the quoting process on your own, you can do so here, while still having Acuhawk Insurance Solutions as your local independent agency to assist you year-round.
Acuhawk Insurance Solutions is licensed and appointed in Nebraska and Iowa.
Are you over 65 or Medicare-eligible? The Annual Enrollment Period for Medicare ends December 7, 2023. Contact our licensed insurance agent Nicole Redinbaugh today to discuss your options for the upcoming year.
