A new year is upon us. While most states have ended their open enrollment periods for 2019 health insurance coverage last December 15, seven states have January deadlines. The states with January 2019 health insurance enrollment deadlines are listed below.
|State||Extended Deadline for Open Enrollment|
|California||January 15, 2019|
|Connecticut||January 15, 2019|
|Colorado||January 15, 2019|
|Massachusetts||January 23, 2019|
|Minnesota||January 13, 2019|
|New York||January 31, 2019|
|Washington, D.C.||January 31, 2019|
If you did not enroll in health coverage from either a private insurer or marketplace provider, you still have one available option: healthshare plans.
Enroll in Healthshare Plans Anytime
Healthshare plans have no open enrollment period, which means you’re able to enroll in an ACA-approved plan immediately. With rising costs of deductibles and out-of-pocket costs, many simply couldn’t afford to enroll or change plans this year; with healthshare plans, enrollees will realize long-term savings while enjoying the benefits of health insurance.
How do healthshare plans work? Medical cost sharing organizations administer these plans, which are exclusive of any insurance company. As these are not traditional insurance plans, federal and state regulations do not apply. In order for these organizations to offer healthshare plans, they must be established non-profit organizations, and must have been continuously in business since December 31, 1999.
Benefits you may see from these plans include:
- More affordable than traditional plans;
- Legally opt out of Obamacare or Obama-era health plans;
- Contributions to your healthshare account go into an escrow account;
- Healthshares use PPOs, giving you greater flexibility; and
- No long-term contracts, and no fees for termination.
Each healthshare will have its own faith-based requirements that must be met. Also, pre-existing conditions are not covered by healthshare plans. Finally, smokers may not enroll in healthshare programs, but options are available for individuals who wish to quit.
You Have Options
With a firm open enrollment deadline in 38 states, and only five states offering extensions if certain conditions apply, you may feel 2019 could start out bad if you’re not enrolled in something. However, healthshare plans offer an incredible alternative to traditional health insurance.
Don’t let missed deadlines throw your health goals into disarray; healthshare plans can offer tremendous long-term benefits while giving you greater control of your health spending. Also, with a large PPO network to use healthshare benefits, enrollees can choose a doctor they prefer.
Contact your personal benefits manager (PBM) at HSA for America today to see how healthshare plans can make a difference in your life.