The need to navigate health insurance providers and their plethora of plans existed long before the Patient Protection and Affordable Care Act went into effect in March 2010. Being able to find a health insurance plan that truly fits your personal needs is a weight off one’s shoulders — and this is where Tobias and Associates can help. At the same time, meeting the rules of the Affordable Care Act means locking in with a plan during the “Open Enrollment” period. In 2018, that period for the coming year begins on Thursday, Nov. 1, 2018 through to Saturday, Dec. 15, 2018. On the topic of insurance, Michael Tobias says that it’s crucial to find a plan during the open enrollment period — or suffer the consequences. If you’ve been searching online for advice on ways to find the best plan for your unique needs and found this blog as a result, then you’re in the right place.
According to HealthCare.gov, there are a few key stipulations that health insurance consumers must know when looking for the plan that’s right for them. Those two points are as follows: “If you don’t act by December 15, you can’t get 2019 coverage unless you qualify for a Special Enrollment Period,” and, “Plans sold during Open Enrollment start January 1, 2019.” HealthCare.gov, in another straightforward explainer piece, says that those who “can afford” coverage and don’t pick a plan up will be forced to pay the “individual shared responsibility payment.”
Sounds simple, right? If that were the case, operations like Tobias and Associates wouldn’t exist. Instead, Michael Tobias says insurance is something he wants to simplify and he wants fist-time customers to become life-long clients. For those who recently turned 18 or were aged-out of their parent’s healthcare plans, it’s important to find the experts who’ll find the plan that gets them covered – and right with the law. The reason why Michael Tobias says insurance obtained via his company is such a natural fit is because his company has been helping clients since 2002. Mr. Tobias is well-versed in electronic insurance applications and the insurance marketplace that’s part of the Affordable Care Act is exactly that. Tobias and Associates helps people find and enroll in the insurance programs that fit their unique needs. This means individuals and families can pinpoint the plans that are budget-friendly and realistic. The ramifications of foregoing coverage, as noted above, are easily avoided with just a bit of guidance and pre-planning.