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The Plain English Attorney

Jeff speaks with Elizabeth Gholson of IPA Family about Open Enrollment.

What is Open Enrollment?

It’s a period of time set aside to change your health insurance. You can add, subtract and change plans during a certain timeframe. If you were to go on to the marketplace to sign up for insurance offered through the Affordable Care Act (also known as Obamacare), federal Open Enrollment runs from November 1, 2015 through January 31, 2016.

Why is it important to have an agent if you can just go on to the government website?

“We are certified to help,” explained Elizabeth. “We understand the plans, we understand what a deductible is, and how one plan may be less expensive, but can open you up to more exposure. Would you have five, six or seven thousand dollars in the bank to cover the deductible if someone were to get hurt or sick?” She continued, saying that some people will want to purchase a particular plan because they are looking strictly at the deductible, but it wouldn’t necessarily be the best plan for their needs. “I can find them something that may be a little bit more, but will cover a lot more, too. The last thing you want to find out is that you weren’t covered when you thought that you were. I have heard a number of people saying that they wish that they had talked to an insurance professional last year before deciding on what plan to choose.”

To learn more about the Open Enrollment period or if you have any insurance questions, please contact Elizabeth (919) 803-2149 or click here.

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