If your employer offers health insurance plan options, there’s a good chance changes in the healthcare landscape have also prompted changes in your benefits. Whether you’re participating in a group plan or considering purchasing insurance on the Health Insurance Marketplace, you should research your options thoroughly before selecting a care plan.
Selecting the right care plan can be tedious, but it’s extremely important that you choose the best plan for yourself, your family and your budget.
Below, we’ve included some general guidelines to keep in mind during open enrollment.
Group Health Plans
The Health Insurance Marketplace
What you need to know about job-based health plans and other group health plans.
Some things to keep in mind during open enrollment:
Is my current provider included in my plan's network?
What will my out-of-pocket expenses be?
Are my prescriptions covered?
Is my employer's plan the best fit for me?
What am I really paying for?
Does the plan offer accounts that have tax advantages?
Is your plan grandfathered?
Shopping on the Health Insurance Marketplace? Here's what you need to know.
What is the Health Insurance Marketplace?
The Health Insurance Marketplace, also referred to as the "Health Insurance Exchange," is a new way to find health coverage that fits your budget and meets your needs. The Marketplace can help if you don't have coverage now or if you have it but want to look at other options.
You can learn more about your coverage options by calling us at 866-412-0000 or by answering a few questions on HealthCare.gov.
What if I already have health insurance through my job?
Can I qualify for the marketplace (and potential savings) if I already have access to a job-based plan?
Here's how to make the most of the Marketplace during open enrollment.
The Kaiser Family Foundation calculator can give you a rough estimate of how much health insurance may cost in 2014, but you won't be able to get your exact costs for a specific plan until you fill out a Marketplace application after October 1, 2013. You should expect that your final cost will be different from the rough estimate provided below.