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Open Enrollment is Upon Us

               It's that time of the year again! In 3 days the rush of Medicare's Annual Enrollment season will begin. Less then a month later,  on Novermber 1st, Open Enrollment begins.  What's the difference between the two? Medicare's Annual Enrollment is for those age 65 or above or anyone who is considered fully disabled and on Medicare. Open Enrollment is for anyone under the age of 65 who's not on Medicare.  

                 One of the most important factors in determing if your eligible for health coverage is your employment status. If you're W-2 and your employer offers you coverage you would not be eligible unless you can show that the health plan costs more thn 10% of your gross income. If you are an indepedent contractor, you are 100% eligible. The next step is determing how much of a healthcare subsidy you qualify for.

                  A healthcare subsidy is effected by your income, age, gender and location. There is NO such thing as pre existing health consditions when it comes to major medical health insurance. I want to repeat this because it's critical people understand this. I still get asked to this day about pre existing conditions. Folks I can tell you that any major medical insurance cannot, by law, ask any heath questions. This is due to the health care reform. So unless we're talking about Life Insurance, put those worries to the side. 

                 A lot of Americans, ecspecially Floridians, are walking around without any Health Insurance when they either qualify for low cost or free health coverage. This is because most people are not aware of the Insurance market and how it works.  This is why we do what we do here at Ins Solutions. We believe we have a duty to help the public and we're here to do just that. If you have questions about your Health Insurance, we're here for you 24/7.