Low Cost Health Insurance

We will tak you through the ACA open enrollment requirements:

  • The ACA Open enrollment options
  • Where you can turn for guidance
  • The information you will need to enroll in health insurance

Whichever enrollment option you choose, it will take less time and you will get better advice when you have the right information at hand.  So, let’s start there!

The information you will need:

  1. The factual data which will determine who will be covered and how premiums will be paid.   You will need this information to establish your premium tax relief
  2. The names and addresses, social security numbers, birthdates, and citizenship status for yourself and all dependents to be included on the application
  3. Household size and income (this should be supported by the appropriate evidence e.g. (pay stubs, tax returns or W2)
  4. Details of any health insurance coverage sponsored by an employer (for any member of your household)
  5. Bank or credit card details of the account from which the first month’s premium will be paid

It is a good idea to gather all the information you can concerning your health expenses in the recent past (12 months), especially if you have an ongoing condition.  This information will help you and your advisor/agent or Certified Enrollment Counselor (CEC) plan the best health insurance coverage for you

  • Your choice of metal tier (Bronze, Silver, Gold, Platinum)
  • Records of your co-pays and co-insurances
  • A list of any regularly prescribed medication so that you can be sure it is covered by your policy
  • Make sure that you know the names and zip codes of your preferred Doctors and hospitals to ensure that they are ‘in-network’

Don’t just let your insurance from this year roll over into 2020. Take time to think about what you might have done differently, what has changed in the last 12 months and what might change during the next twelve months.

What are the enrollment options?

Open enrollment (November 1st – December 15th in most states) for plans to be effective from January 1st 2020.  Special enrollment and special enrollment periods vary from state to state (see footnote to this article) but are also time-limited.

This creates peaks in demand, but the systems and processes run by the exchanges enable people to enroll in their chosen plan with relative ease; allow 30-90 minutes BUT however, you choose to enroll make sure you have all the information to hand.


  • On-line
  • By phone
  • In person

But the best exchanges combine these options to support your need to obtain the appropriate affordable health insurance coverage

Let’s take ‘on-line’ first.

Generally speaking, this will be the fastest way to roll-over an existing plan with the same provider.  It will take only moments, if you have you have all your details. BUT you should take time to consider the changes in your circumstances which might affect your health insurance coverage.  CALL your Health Insurance Exchange.

If you are enrolling for the first time or choosing an alternative exchange it may take a little longer, say 30-90 minutes but the time spent could be a valuable investment if you find a ‘better deal’.  CHECK your alternatives on HealthCare.gov and go to your state site or preferred private exchange.

By phone

Not all of us are comfortable applying for anything online especially something as important as finding the best health plan. You can enroll by phone. An experienced advisor can help you set up your account, and compete your online application. Advisors can also help you complete a ‘paper’ application.

In person

If you prefer to apply in person your exchange, whether state or private, can help you to find an advisor in your area. Face to face meetings will often reduce confusion, especially if your circumstances are complicated.

ACA open enrollment is a peak period so ‘in-person’ assistance centers will be busy.  So, plan ahead, and preferably make an appointment. It may take longer, but it could be a good investment of your time

Where should I go for guidance?

Categories, web sites, Tel nos or… TrueCoverage.

On-line, by phone, in person, the advice you receive from an Exchange (federal, state or private) should be FREE and unbiased.

Some insurers or agents are entitled to charge for their services BUT they are obliged to inform you in advance.


ACA open Enrollment and ACA Special Enrollment

Open enrollment runs from 1st November to 15th December 2019 for Health Insurance coverage for the year 2020.

There are some events which allow you to join, leave, add members or otherwise change your policy outside this window, (in most states).

These events trigger a ‘personal’ Special Enrollment Period (SEP). 


  • Marriage                                                       
  • Eligibility for group scheme
  • Birth or adoption                                       
  • Aging off
  • Change of location (State)                        
  • Major change in income