Starting on October 1st 2013 individuals will be able to qualify for a subsidy based upon their annual household income that will be a direct offset of their monthly health insurance premiums–see calculator below.
Individual health insurance in 2014 will be considered guaranteed issue which means that no carrier will be allowed to decline an individual due to medical pre-existing conditions. There will be an open enrollment period for individuals to apply for health insurance in 2014 will be from October 1st 2013 to March 31st 2014 and after those dates have passed individuals will have to wait until 2015 for them to apply for a guaranteed issue health insurance plan.
Individuals who are currently insured and those uninsured have some important decisions of whether they will apply for a plan this year that could possibly have a lower premium than the new healthcare exchange based plans or apply during the open enrollment period for a new plan starting in 2014.
Lawhorn insurance is licensed and educated to walk customers through this entire process from start to finish.