Many people still get their healthcare coverage through an employer but since the implementation of the Affordable Care Act more people than ever are getting their healthcare coverage through individual policies. Healthcare can only be purchased or changed during open enrollment or a special enrollment period.
Many people and families qualify for subsidies to help them pay for individual healthcare and have to purchase their coverage “On Exchange” to take advantage of the subsidy. Others who do not qualify for a subsidy can purchase their coverage “On or Off Exchange.” Carriers who offer “On Exchange” plans vary from state to state.
Ask an IIAI agent to help you find out your enrollment qualifications and what ALL of your options are. Your IIAI agent will show you the differences between the plans offered and help you find the plan that best suits your needs.