“feet dragging” and “nightmarish”

These are words used repeatedly to describe the lack of response and guidance on proclamations made by President Trump over the last many months about changes to the Affordable Care Act. And time is running out for this year.

We do know that in California, Open Enrollment will start November 1, 2017 and run through January 31, 2018.  Open enrollment is the time when individuals can enroll in coverage for the first time or change plans for the 2018 plan year. If you enroll by December 15th, coverage can start January 1, 2018. (Enroll by Jan 15th for Feb 1 start date and by January 31 for March 1 start date).

Carriers have been preparing. Anthem Blue Cross announced last month that they will be leaving the market in most CA counties. Most other carriers have prepared two sets of rates for 2018, one for business as usual and the other if the White House follows through with threats to pull federal subsidies and allow for waivers. In both cases, there will be increases with the latter being greater. California, having one of the more successful state-run marketplaces (CoveredCA), is in a better position than most states. California’s active private market (that offers more plan options, a streamlined enrollment process but no subsidies), will offer two PPO plans in addition to multiple HMO’s  in most counties.

With the delay and uncertainty mentioned above we do not expect carriers to release approved rates before open enrollment begins. Quoting services like the one we use, are gearing up to have all rates and plan information verified and ready for comparisons and release November 1, 2018.

We of course will once again be helping clients and your referrals with their health insurance decisions this open enrollment season. Feel free to visit our web site for quotes and information. OnlyHealthInsurance

Phone appointments with me can also be scheduled using my online scheduler: Make Appointment with Phil

Thank you.

Phil Dougherty