Open Enrollment Starts Here

The Affordable Care Act (ACA) requires everyone to have health insurance coverage. This coverage can be provided by an employer, through a government program, or be purchased by the individual. Health Insurance policies must be chosen during the annual Open Enrollment or when an event has happened in your life to create a Special Enrollment Period.

Open Enrollment for 2017 begins November 1, 2016 and continues through January 31, 2017. Policies are available in Nebraska from Aetna, Blue Cross Blue Shield, and Medica. Policies will be offered through the Health Insurance Marketplace (healthcare.gov) or directly to the consumer.

Enrollments completed by December 15th will be effective on January 1st.

Marketplace

The Health Insurance Marketplace is the portal through which a person applies to receive financial assistance provided under the Affordable Care Act. Marketplace is located at healthcare.gov. Eligible individuals must have income between 100-400% of the Federal Poverty Level (FPL) and do not have access to other affordable health insurance such as an employer plan.

Two types of financial assistance are available.

  1. The Premium Tax Credit may be used to reduce your monthly premium cost.
  2. The Cost Share Reduction Subsidy reduces the out-of-pocket expenses under your health insurance plan. Click on the button to read more.

Thanks for helping me decide on which insurance to get for my family, navigating the health insurance marketplace and your assistance when CoOpportunity went out of business. Chris worked with me for over an hour to get a new insurance plan. – Steve A.

Short-Term Health Insurance

Short-Term Health Insurance policies are designed to provide basic insurance benefits for a temporary period. This may be a good option for those who are between jobs, aged off a parent’s policy, just graduated from school or any other temporary situation.

Dental and Vision Insurance

Dental and vision plans are available for individuals and families. Products offered include options from:

Travel Insurance

Don’t leave the country without adding an international travel policy for your trip. These plans provide additional health insurance plus add benefits for unexpected expenses that would occur if you were seriously injured or hospitalized in a foreign country. These policies offer coverage for an emergency medical evacuation, a natural disaster, and life insurance. This is an inexpensive way to protect yourself against the unexpected while traveling.  

Special Enrollment Period

A SEP occurs when you are outside of the annual open enrollment dates and an event happens that qualifies you to select a health insurance plan. Marriage, birth, divorce, loss of employer provided coverage, loss of eligibility for a government program or a permanent move to a new state are examples of qualifying events. Generally you must enroll in a new plan within 30-60 days of the qualifying event.