The Affordable Care Act is changing the healthcare industry. We're here to help you make sense of what these changes mean for you.

GUARANTEED ISSUE
As of January 1, 2014, health insurance issuers must accept every individual in the state that applies for coverage regardless of health, age, gender or other factors (including pre-existing conditions).

THE INDIVIDUAL MANDATE
Starting in January 2014, individuals will be required to have health insurance that qualifies as minimum essential coverage or risk paying a tax penalty for every month they are uninsured.

GRANDFATHERED PLANS
When the Affordable Care Act (ACA) was enacted on March 23, 2010, President Obama said that if Americans like their coverage, they could keep it. Therefore, the AGO allows carriers to distinguish plans that existed prior to March 23, 2010 (Grandfathered Plans) and those that came afterward ) Non-Grandfathered Plans). Since the Grandfathered Plans were intended to stay as they existed as of March 23, 2010, they are not subject to many of the ACA's requirements.


OPEN ENROLLMENT 2018
November 1, 2017 is the first day individuals, families and small businesses can apply for coverage beginning in 2018. This open enrollment period last until December 15, 2017.

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