Health Insurance Open Enrollment Ends Soon Don’t Miss Out

Health Insurance Open Enrollment Ends Soon Don't Miss Out text overlaying image of a clock If you want your new health insurance to start on January 1st then you must enroll before December 15th. You can still enroll until January 15th, but your policy won’t start until February. We know you’ve been hearing OEP over and over the last few months, but that’s because we can’t stress enough how important it is. Not only is this the only time you can enroll in a new plan. This is the only time you can review your current plan and make sure you have all of the coverage you need within your budget. You’re in control of your health and there’s plenty of plan and carrier options out there ready to help you stay in control.

Guaranteed Coverages

The Affordable Care Act (ACA) brought a lot of change to the health insurance industry. All of which center around making sure everyone has access to affordable coverage. The ACA introduced the “10 essential benefits”. Which are 10 health care benefits that every marketplace plan must cover regardless of tier, plan type, cost, or provider.


  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Laboratory services
  • Mental health and substance use services
  • Pregnancy, maternity, and newborn care
  • Prescription medications
  • Preventative and wellness services and chronic disease management
  • Pediatric services
  • Rehabilitative and habilitative services

Not only are health plans required to cover these benefits. Insurers are also prohibited from denying or charging more for a plan based on pre-existing conditions. So thanks to the ACA you are guaranteed to get a plan that covers all of your basic needs without having to pay an arm and a leg.

Your Options

You’ve got nothing but options during the OEP, from plans to plan tiers to possible subsidies and then some. Let’s go over the basics and give you a good starting point in your search. 

Plan Types

The first thing you have to do is choose a plan type. While every Marketplace plan is legally required to cover the “10 essential benefits”. Plans can offer extra benefits and they can all be structured differently. So, this step is a big one because it sets the foundation for the coverage you have.

Health Maintenance Organization (HMO)

HMOs offer you the option of choosing from a local network of participating physicians, hospitals, and other healthcare providers and facilities. As part of these health insurance policies, you must choose a primary care physician (PCP) from this network. Your primary care physician (PCP) will get to know you and help you organize all of your medical care. They are also responsible for referring you to any specialists. Without this recommendation, your HMO would not cover a specialist visit. A HMO plan’s out-of-pocket costs are frequently lower than those of other types of health plans as long as you stay in-network. In general, an HMO may make sense if you prioritize lower expenses and don’t mind using a PCP to oversee your treatment.

Preferred Provider Organization (PPO)

PPOs offer a vast network of participating providers, so you can choose from a wide range of hospitals, clinics, and healthcare facilities. Unlike HMOs, PPOs provide some coverage for providers outside of their network, but not as much as they would for an in-network provider. Another significant distinction between PPOs and HMOs is that you aren’t required to choose a PCP and you can see a specialist without a referral. A PPO is often a smart option if you want more control over your options and are willing to pay extra for it. It would be especially useful if you travel frequently because you would not have to see a primary care physician.

Exclusive Provider Organization (EPO)

EPOs also allow you to choose from a network of participating providers. Except in cases of emergency, most EPO plans do not cover care outside of their network. As a result, if you see a provider or facility that is not part of the plan’s local network, you will most likely be paying for the whole cost of services. As for PCPs, EPOs can go either way, some require you to choose a PCP and others don’t, it just depends on the insurance company you choose. In either case, as long as the specialist is in the plan’s network, you will not require a referral from your primary care physician. If you need cheaper monthly rates and are ready to pay a larger deductible when you need medical treatment, an EPO plan may be for you.

Point of Service (POS)

POS plans combine the benefits of PPOs and HMOs. A POS’s provider network, like an HMO, is often smaller than a PPO plan, and in-network care expenses are typically lower, as with a PPO. In POS plans, you must select a primary care provider (PCP) from a network of physicians and other primary care specialists. If you need to see a specialist, you have to get a referral from your PCP.


However, just like with PPO, you have the option of seeing in-network or out-of-network experts. However, if you visit an out-of-network provider, your part of the costs will be higher, and you will be responsible for submitting any claims. POS insurance plans are a terrific option for many people, especially if you’re looking to save money and don’t need out-of-network healthcare services. If you are prepared to coordinate your care through a primary care physician, a POS plan may be perfect for you.

Health Expense Accounts

There are also separate savings plans you can buy to help you save up money specifically for medical costs. 

Health Reimbursement Arrangement (HRA)

An HRA, or health reimbursement arrangement, is a form of health expense account provided and owned by your employer. Because they own the HRA, your employer is the only one who can contribute to it. They can also determine if you can roll over unused cash to the next year. The money in it is used to pay for eligible expenses including medical, pharmaceutical, dental, and vision care, as defined by the employer. 

Health Savings Account (HSA)

A health savings account (HSA) is a bank account that you can use to pay for qualifying health care bills or to save for retirement. An HSA is available when combined with a qualified high-deductible health plan (HDHP), which has lower premiums/plan contributions and greater deductibles than a regular health plan. If you have an employer-sponsored health plan, the account is opened through the HSA provider chosen by your company. You, your employer, and others can contribute to your HSA up to a yearly limit determined by the IRS.

Flexible Spending Account (FSA)

An FSA is an employer-sponsored savings account that helps manage out-of-pocket healthcare bills. FSAs are tax-advantaged accounts, which means you can contribute to them before taxes and spend the money tax-free. FSAs allow account holders to save for eligible healthcare expenses by deducting pre-tax money directly from their paychecks. FSA funds can be used to cover deductibles, co-pays, and medical visits for you, your spouse, and any qualified dependents. Employers may contribute to their employees’ FSAs, but they are not obligated to do so. 

Health Insurance Subsidies

Marketplace plans have two types of subsidy. The first type, known as the premium tax credit, lowers your monthly insurance costs. The cost sharing reduction (CSR) is a sort of financial aid that reduces your deductibles and other out-of-pocket payments when you visit the doctor or stay in the hospital. To get either sort of financial aid, you must enroll in a health insurance Marketplace plan.

Premium Tax Credit

A premium tax credit, sometimes known as a premium subsidy, is a tax credit that reduces or eliminates the amount of money that you would otherwise have to pay for getting individual or family health insurance. Unlike other tax credits, the premium tax credit can (and typically is) given upfront and all year. Each month, the IRS gives money to your health insurer, so you don’t have to pay as much yourself. Your tax return is then compared with the premium tax credit the following spring. You can also choose to pay full price for a health plan in your state’s exchange and then get the full premium tax credit on your tax return. Few people do this, however, because the cost of coverage without the advance premium tax credit is often out of reach for those who do qualify for the premium tax credit.


You must apply for coverage through the Marketplace and give information about your age, residence, household size, citizenship status, and expected income for the following year in order to receive the premium tax credit. Following the submission of the application, you will receive a decision indicating the amount of premium tax credit you qualify for. You can then choose to have the tax credit paid in advance, claim it later when filing your tax return, or a combination of the two.


Who’s Eligible?

To be eligible for the premium tax credit beginning in 2024, you must meet the following requirements:


  • Have a household income of at least the Federal Poverty Level (FPL), which is $14,580 in 2024.
  • Lack of affordable coverage through a workplace (including a family member’s employer)
  • Not be eligible for Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP).
  • Have U.S. citizenship or proof of legal residency (Lawfully present immigrants with household incomes less than 100 percent FPL may also be eligible for tax subsidies through the Marketplace if all other eligibility standards are met).
  • If you’re married you must file your taxes jointly.

Cost Sharing Reduction

Cost sharing reductions are the second type of financial aid available. When you utilize covered health care services, cost sharing reductions reduce your out-of-pocket costs related to deductibles, copayments, and coinsurance. Cost sharing reductions are available to anyone who qualifies for a premium tax credit and has household incomes ranging from 100 to 250 percent of the poverty line. Cost sharing reductions (CSR) are only available through silver plans, as opposed to the premium tax credit, which can be applied to any metal level of coverage. CSRs are applied to a silver plan for qualified individuals, basically making deductibles and other cost sharing more comparable to that of a gold or platinum plan. Individuals earning between 100 and 250 percent of the FPL can use their premium tax credit to any metal level plan, but they can only receive cost sharing subsidies if they choose a silver-level plan.

Health Plan Tiers

When you buy health insurance through the federal or state Marketplace, the plans available are divided into four metal tiers: bronze, silver, gold, and platinum. The metal tiers allude to the portion of your medical treatment that each tier will cover, not the quality of care you will receive with one of these plans. Which plan tier you pick determines the amount of the bill you pay. The higher the coverage, the higher the cost, but the less you will have to pay out of pocket.


  • Bronze plans will cover 60% of costs; you will pay 40%
  • Silver plans will cover 70% of costs; you will pay 30%
  • Gold plans will cover 80% of costs; you will pay 20%
  • Platinum plans will cover 90% of costs; you will pay 10%

Why You Need Health Insurance

The most important advantage of having health insurance is having access to the care you need. Health insurance provides you with access to a vast network of doctors, specialists, hospitals, and laboratories. This network collaborates with you and with one another to assist you in focusing on prevention and wellness. In fact, the majority of healthcare plans provide free preventative services, such as immunizations and testing. To help you stay healthy and avoid illnesses and their consequences.


Furthermore, the Affordable Care Act requires Marketplace plans to cover pre-existing diseases. This means that even if you have a pre-existing condition, you can receive care without being rejected coverage or charged extra because of it. Because you’ll have regular access to the doctors and experts you need, your healthcare plan will also help you manage your care for any chronic illnesses you’re living with. 


Your health insurance covers all of the greatest strategies to maintain your health. Having access to this type of continuous care can essentially lead to a longer and better quality of life. According to the National Library of Medicine, persons between the ages of 17 and 64 who did not have health insurance had a 40% higher mortality risk than those who did!

How EZ Can Help

Working with an agent saves you time and stress because you won’t have to decipher legal language or read fine text. Agents handle all of the legwork. So, you may rest assured that your coverage will best match your financial and medical requirements.  Not to mention, EZ agents can save you hundreds of dollars on your health insurance premiums each year. We accomplish this by scouring the market for the most affordable plans, both on and off the market. In addition to locating and utilizing any available savings.


We don’t only assist you in finding a plan, we also assist you in keeping it up to date. When the time comes, we are also here to  help you in filing claims with your insurance company and renewing your policy. To begin, enter your zip code in the box below. Alternatively, contact 877-670-3557 to speak with one of our licensed agents.

Can You Be Denied Coverage During the Open Enrollment Period?

The ACA Open Enrollment Period is the only time of the year when everyone can enroll in a health insurance plan. But can literally anyone enroll, or is there any reason you can be denied coverage during this time? The short answer to this question is no: the whole idea behind the creation of the Affordable Care Act (ACA) was to make sure everyone could get insurance. But being allowed to get insurance is different from insurance being accessible to all – so how does the ACA remove all the barriers to getting insurance and make everyone truly able to get the plan they need? 

What The ACA Has Done for Millions

Before the ACA was passed in 2010, you could have been denied a health insurance plan simply because you had a pre-existing condition. That meant a huge amount of Americans were unable to find affordable health insurance: approximately 43% of U.S. households report having pre-existing conditions. And indeed, health insurance was out of reach for many before 2010: when the ACA went into effect approximately 46.5 million people, or 17.8% of the total nonelderly population, were uninsured. 

bar graph going upward with a green arrow moving upward

But the ACA, with its Patients’ Bill of Rights that prohibits insurers from discriminating based on pre-existing conditions or revoking your coverage because of an unintentional mistake on an application, changed everything. 31 million people have enrolled in health insurance plans through the Affordable Care Act since it was enacted, and that is a huge accomplishment! But there has been criticism over the years that health insurance, while available to everyone, was still not accessible to everyone – but that has all changed. 

President Biden’s American Rescue Plan

illustration of a cell phone with a money sign on it and dollar bills behind it
The American Rescue Plan Act has offered more people the ability to save more money on their health insurance premiums.

 save afcad

Earlier this year, President Biden passed the American Rescue Plan (ARP), which has made health insurance far more affordable for far more people. It extended premium tax credits to more Americans by allowing people who earn over 400% of the federal poverty level to receive subsidies to purchase health insurance through the ACA Marketplace; it also requires that Americans pay no more than 8.5% of their income on health insurance premiums, and provides a larger tax credit to people who already receive financial assistance.

What all of this means is cheaper premiums! For most people, premiums will be at least $50 per month cheaper, while some people might pay $0 in premiums. With the new law:

  • An individual making $19,000 or less per year will not have to pay a monthly premium for health insurance. 
  • Couples who earn less than $70,000 together will save $1,000 per month on their health insurance monthly premiums. 
  • A family of 4 with an income of $90,000 will pay about $200 less in health insurance premiums.

The bottom line is you can never be denied health insurance coverage during the Open Enrollment Period; not only that, but insurance is now affordable for everyone, so there is no reason you can’t get a plan that is right for you. It is important to note, though, that the Open Enrollment Period is the only time you will be able to get coverage: if you miss the OEP, you will have to wait until next year’s OEP, unless you qualify for a Special Enrollment Period. Don’t let this period pass you by – it’s the perfect (and only) time to get a great affordable health insurance plan!

Need Help?

If you have any further questions, or need help finding a plan during the Open Enrollment Period, an EZ agent can help you. We will provide you with a local licensed agent who will search all available plans in your area and find the best one for your medical and financial needs. We will also double check to see if you qualify for any subsidies to save you even more money. All of our services are done in minutes and at no cost to you. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a local licensed agent call 888-350-1890.

Biden Administration Extends ACA Open Enrollment Period!

The Biden Administration is doing all it can to encourage Americans to sign up for health insurance, including extending enrollment periods and subsidies. And now, because the Covid Special Enrollment Period that ended in August was so successful (3 million Americans signed up for health insurance during that time!) President Biden has decided to extend the fall Affordable Care Act (ACA) Open Enrollment Period (OEP) by 30 days. The OEP will now run from November 1- January 15, 2022, meaning you will have 75 days to purchase health insurance this year instead of the usual 45 days (the OEP usually ends on December 15). And not only will the OEP be extended, but the Administration is also offering more ways to make health insurance affordable for millions more people.

OEP Extended january calendar with the number 15 circled in red.

The Biden Administration has made getting as many Americans insured as possible a top priority, which is why they are issuing this extension.

“Health care is a basic human right, and the Biden-Harris Administration is committed to making health coverage more accessible than ever. With the Affordable Care Act and the American Rescue Plan, the President has brought affordable health coverage to millions—many of whom now have insurance for the first time,” said Center for Medicare and Medicaid Services (CMS) Administrator Chiquita Brooks-LaSure. “Today’s action to extend the Open Enrollment Period by a month, to continue our investment in local health care Navigators, and to establish a special enrollment period for many low-income people further demonstrates our commitment to connect families to coverage.”

Low-Income Health Insurance SEP

In addition to extending the OEP and premium tax credits for millions of Americans under the American Rescue Plan, the Biden Administration is also planning to to help low-income households sign up for health insurance by establishing a monthly Special Enrollment Period for low-income households with incomes no greater than 150% of the federal poverty line. This will make it easier for low-income people to enroll in marketplace coverage all year long, and will help the millions of people who are expected to lose Medicaid coverage at the end of the declared public health emergency successfully transition to exchange coverage.

illustration of a family of 4 in a bubble with hands holding the bubble
The new low-income SEP will make it easier for low-income people to enroll in marketplace coverage all year long.

Those wanting to take advantage of the low-income SEP will only be able to purchase plans through the marketplace exchanges, and state-based exchanges can choose to implement, or not implement, the SEP. Buyers will be able to purchase any metal-tier plan, but those wanting to switch their coverage will be limited to purchasing Silver plans. 

“We’re continuing to answer the clear call from the American public for affordable, accessible care,” said Health and Human Services Secretary Xavier Becerra. “The Biden-Harris Administration has already made historic investments to help connect communities to coverage. By continuing to build a policy framework that can support this momentum, we’re also building back better for communities in need.”

Nobody should have to go without health insurance, especially during these difficult times. So to help provide health insurance to more Americans, the Biden Administration is making changes to the health insurance system in this country, allowing everyone more time to get coverage and more opportunities to find an affordable plan. If you would like to review your options in your area, contact a local licensed EZ agent. Our agents are highly trained and work with the top-rated insurance companies in the nation, making comparing plans fast and easy. To get free quotes, simply enter your zip code in the bar above, or to speak with a licensed agent, call 888-350-1890.

If You Missed The Covid Special Enrollment Period, You’ve Got Another Chance To Sign Up!

Life can get pretty hectic, so it’s totally understandable if you missed out on the Covid-19 Special Enrollment Period, which ran from February to August of this year, and allowed Americans to sign up for health insurance outside of the usual Open Enrollment Period. But if you’re kicking yourself for not changing your plan or enrolling in a plan when you had the chance, don’t worry! You now have the opportunity again to find a great plan and save money: the ACA Open Enrollment Period started November 1st and will run through December 15 in most states, with an extension into January for others. Don’t miss out again on finding a great affordable plan!

Know Your Deadline!

a red circle with the word deadline inside of it multiple times around
Depending on the state you live in, your deadline might be longer.

As we mentioned, some states have different Open Enrollment Period deadlines. The deadline to change or sign up for a plan in most states is December 15, except for:

  • California: January 31
  • Colorado: January 15
  • Connecticut: January 15
  • Idaho: December 31
  • Massachusetts: January 23
  • Minnesota: December 22
  • Nevada: January 15
  • New Jersey: January 31
  • New York: January 31
  • Pennsylvania: January 15
  • Rhode Island: December 31
  • Washington DC: January 31

Extra Savings You Can Get Now

The Covid-19 pandemic has taken a toll on everyone, and the government took initiative to try and help Americans stay protected by opening the Special Enrollment Period in February, but that is not all they did. President Biden has also extended extra savings to Americans signing up for health insurance: his American Rescue Plan (ARP) is allowing more Americans to qualify for premium subsidies. Now, households with income up to 150% of the federal poverty level are eligible for subsidies that fully cover the cost of the benchmark plan, meaning they can select either of the two lowest-cost Silver plans and have no monthly premium.

Not only that, but the American Rescue Plan Act also allows those who earn over 400% of the federal poverty level to receive subsidies to purchase health insurance through the ACA Marketplace, requires that Americans pay no more than 8.5% of their income on health insurance premiums, and provides a larger tax credit to people who already receive financial assistance. Depending on your family size and income level, you could pay as low as $0 for a plan, or save up to $1000 a month in premiums. 

Save More With EZillustration of a man in a suit with a graph going upwards and a coin money sign above the graph

We get that trying to find a great plan while saving as much  money as possible is not easy; it can be time-consuming and downright frustrating. But EZ is here to help: our agents work with the top-rated insurance companies in the nation, making it easier and faster to compare plans in your area. In fact, we can compare plans in your area for you and your family in minutes! We will provide you with an agent who will find a plan that covers your medical needs, and will allow you to stay within your budget. 

And unlike other companies who just want to make a dime off you, we just want to help you stay healthy by finding a great plan that won’t break the bank. That’s why all of our services are free! Let an EZ agent start comparing plans for you now, before Open Enrollment is over. To get free instant quotes, simply enter your zip code in the bar above, or to speak to a licensed local agent, call 888-350-1890.