ACA Aetna Health Plans
ACA BlueCross BlueShield Health Plans
ACA Cigna Health Plans
ACA Humana Plans
Important Health Insurance Marketplace dates
You can generally buy health insurance only during the annual open enrollment period. Upcoming dates to know:
- March 31, 2014: 2014 open enrollment ends
- November 15, 2014: Proposed date for 2015 open enrollment to start
- January 15, 2015: Proposed date for 2015 open enrollment to end
To buy insurance outside open enrollment, you must qualify for a special enrollment period due to a qualifying life event such as marriage, divorce, birth or adoption of a child, or loss of a job.
Open enrollment for 2014 coverage ends March 31, 2014. If you havenít enrolled in coverage by then, you generally canít enroll in 2014 coverage until the next open enrollment period, which begins November 15, 2014.
If you donít have health coverage in 2014, you may have to pay a penalty. You donít have to pay the penalty if you enroll in a plan by March 31, 2014.
Enrollment and coverage start dates
During open enrollment, if you enroll:
- between the 1st and 15th days of the month, your coverage starts the first day of the next month.
- between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on February 16, your coverage starts on April 1.
Insurance for you and your family
REALTORS® realize the importance of dealing with LICENSED and PROFESSIONAL AGENTS to assist and guide their clients through the complicated demands to achieve Real Estate ownership or to sell Real Estate.
The principals apply to the selection and purchasing of Health Insurance for you and your families. In todays confusing Health Insurance markets created by the new and confusing Affordable Care Act (ACA) it is even more important that you have a trustworthy and knowledgeable Agency to guide you through the new mandated Health Plans created by ACA. INS/MARK is a BENEFIT PARTNER of Texas Association of REALTORS® and a MEMBER SERVICES PARTNER of Louisiana REALTORS® and has enjoyed working with REALTORS® for over twenty-five (25) years.
Our representatives are certified by CMS to assist you in making your selection of the approved Health Plans plus understanding the new Federal Exchange created by the Affordable Care Act. You may qualify for Federal Premium Subsidies which could reduce your monthly premium depending on your income.
Our services are free to you and the premiums you pay are the same as you will when purchasing directly from an insurer whose rates are filed with the Texas Department of Insurance and the Louisiana Department of Insurance. The rates are the same no matter where you purchase your policy. The difference is you work with agents licensed by the Texas Department of Insurance and the Louisiana Department of Insurance. All our representatives are trained to provide clients with prompt and professional services.
INS/MARK represents all Major Health Insurance Carriers. This includes AETNA, BLUE CROSS/BLUE SHIELD OF TEXAS, CIGNA, COVENTRY HEALTHCARE OF LOUISIANA, and HUMANA.
CALL OR E-MAIL us today for prompt and professional service:
William P. Sartain Agent/Broker
Federally Faciliated Marketplace (FFM) Id: WMPSARTAIN
National Producer No. (NPN): 1060114
Texas Insurance License No: 634962
Louisiana Insurance License No: 168537