Local. Nonprofit. Health Insurance.
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Special Enrollment Period (SEP)
The Open Enrollment period for 2019 coverage has ended. You may qualify to enroll for health coverage due to a Special Enrollment Period (SEP). An SEP is available when you and your family have the appropriate proof of a qualifying Life Change Event, such as marriage, the birth of a child or loss of marketplace coverage, to name a few. Please contact us to review your eligibility proof and help determine if you have a qualifying event.
The next Open Enrollment Period occurs in the fall of 2019 for coverage beginning in 2020.
Choose the plan that's right for you.
Bronze plans have the highest deductible in exchange for a lower monthly premium. This is a good plan for those who don't access care often, but want the security to know they have coverage when they need it. The Advance Premium Tax Credit (APTC) subsidy can be applied to premiums for a Bronze plan.
Choosing a Silver plan may allow you to save in two ways. First, if you qualify for the APTC, you can use it to lower your monthly premiums. In addition, you may also qualify for the Cost Sharing Reduction (CSR) subsidy--only available in Silver plans--that lowers deductible, copays, and coinsurance costs.
Gold plans mean you'll have a higher premium, but will pay less each time you access care. If you qualify for the APTC, you may apply the subsidy to your Gold plan premium.