Open Enrollment for 2016 Has Now Closed

Open enrollment for health insurance for 2016 has now closed as of January 31. You may still be able to apply for halth coverage if you have a qualifying life event. For more information, visit or call my Roseville office at (586) 498-7122.


General Information about the Health Insurance 

Below you will find useful information about the Individual Marketplace and how to prepare for open enrollment.  If you previously gained insurance in the marketplace or are looking to shop for new coverage click here.

 If you are a Small Business looking to find informaiton regarding the Small Business Health Options Program click here.


About the Marketplace

The health insurance Marketplace is a one-stop shop where you can compare insurance plans and prices and purchase insurance that works for you. Whether you’re uninsured, or just want to explore new options, the Marketplace gives you more choice and control over your health insurance options.

The Marketplace is designed to help you find health insurance that fits your budget, with less hassle.  

The Marketplace is an online site where you can choose among quality private health insurance plans.  And, tax credits to help make the insurance you choose more affordable are widely available.

Get Quality Health Insurance Options

Insurance plans in the Marketplace must meet various quality and affordability standards.  For example, Every health insurance plan in the Marketplace is required to:

  • provide free coverage for preventive services.
  • offer comprehensive coverage, from doctors to medications to hospital visits.
  • grant access to a range of doctors and clinicians.
  • cap your out of pocket costs
  • not have annual or lifetime limits on coverage
  • not deny you care for having a pre-existing condition
  • charge women the same rates as men

All plans will have to provide clear information on plan premiums, deductibles, and out-of-pocket costs before you decide to enroll, so you know what you are buying.  All information on the health plans must be in easy-to-understand language and there can be no fine print.

Get a Break on Costs

Last, year 86% of the more than 8 million people who enrolled in private coverage through the marketplace received premium assistant.  The tax subsidies are provided immediately and directly to the health plan you have chosen – immediately lowering what you pay in monthly premiums.

These subsidies are available on a sliding-scale for those with incomes between 100% and 400% of the poverty level (between $23,500 to $94,200 for a family of four in 2013). 

To find an estimate of your eligibility for subsidies and how much you could spend on health insurance please use the below subsidy calculator.  Please keep in mind this is an estimate as premiums and eligibility requirements may vary, contact your state’s Medicaid office or exchange with enrollment questions.

How to Prepare for Enrollment

Here is a helpful checklist to help individuals and families, prepare for open enrolled starting November 15, 2014. You will be able to enroll in the Marketplace online at ,by phone, or by mail. 

Still have Questions & want to speak to someone about them?

The national toll-free consumer call center is open to answer those questions.  The center will be open 24 hours a day, seven days a week. The number is 1-800-318-2596. The call center will be able to provide the following assistance.

Stay up to date with the changes in your state by signing up for email and text updates.

How is the Affordable Care Act Working?: 

To view the original pdf

11 Important Facts