1. Do I still need to buy health insurance?
The good news is the Affordable Care Act (ACA) is still the law of the land. The law requires you to purchase a 2023 health insurance plan to make sure you have health insurance coverage for wellness checkups, doctor visits, prescriptions and hospital care.
2. Is there anything different this Open Enrollment that will affect me?
This year you have less time to enroll or change plans: December 15 is the deadline. If you miss it, you may need to wait until 2023 to get coverage or make changes to your health plan. For 2022, you may have new health plan options available to you. Our agents can help you find a plan that meets your needs and budget.
3. Will I still be able to see my regular doctor? How much will it cost me?
It depends. Who you see and how much you’ll pay really depend on the plan you choose. When considering your options, you should ask about the costs for primary care doctor or specialist visits, and which doctors, hospitals and pharmacies are in the network. Some plans offer doctor visits as low as \$0 when you see a network provider.
4. I’ve read that several health insurers are leaving the Marketplace. Do I need to be concerned?
Yes, if one of those insurers is yours. If they are leaving the Marketplace, your plan will likely be canceled, ultimately leaving you without health care coverage. With Fiorella Insurance, you can rest assured we have health insurance plans to fit your needs and we’ll be here for you––as we have been for more than 30 years.
5. Will I still be able to get financial assistance to help pay my monthly premium?
You can continue to get financial assistance based on the 2022 eligibility guidelines. Our licensed agents are certified by the federal government can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2022 monthly payment.