Health insurance under Obamacare is in its second year and millions of Americans are heading back to healthcare.gov to update their plans during open enrollment. Even if you’re satisfied with your existing plan, the White House is encouraging everyone who signed up through the Marketplace to take another look at the new options available in 2015. All Marketplace coverage ends on December 31, 2014 and open enrollment for 2015 coverage ends on February 15.
Now that the Affordable Care Act is well underway and the kinks have been worked out on Healthcare.gov, it’s the perfect time to take a second look at what is available through the Marketplace to find out what policy is best for your critical illness insurance needs. This is especially good news for the increasing number of self-employed workers out there. Christine Barber, a senior policy analyst at Community Catalyst, a health care advocacy organization tells U.S. News: “The ability to buy insurance in the individual marketplace and qualify for tax credits has really opened up more opportunities for people to be self-employed and entrepreneurs.” To help you make an informed decision, here are 10 things to consider when choosing health insurance.
If you have a doctor, or doctors, that you have a good relationship with, make sure to find out what plans they accept. You can usually check the list of providers for each plan when you enroll on the Healthcare.gov website. You can also call your physician to find out what plans their office will be accepting in 2015. The Marketplace has a page of tools for comparing care providers and hospitals.