November 1-December 15

Who needs to act during these 45 days?

  • Individuals/families under 65 who buy their own health insurance
  • People who want to change their current plan.
  • People who may be notified their current plan is not available in 2018.
  • People who are receiving premium assistance and must re-certify with the government to continue it.
  • People who are receiving premium assistance but will not be eligible in 2018.
  • People who have not previously qualified for premium assistance but will in 2018.
  • People who may be eligible to form a small group

Blue Cross will notify you if your plan will automatically re-up for 2018. We expect their letters to get to you by October 1. We expect plan cancellations and premium increases. You must make the changes you want for 2018 within the Open Enrollment Period.

Except in clearly defined circumstances, 2018 Affordable Care Act health insurance cannot be bought or changed after December 15, 2017.

If you do not act between November 1 and December 15, you will be stuck with what you have for all of 2018.

We recommend that you do not go online or the Exchange yourself. Neither the system nor the navigators understand how to get you the plan that gives you access to the doctors and hospitals you want.

We have completed our re-certification for participation in the Affordable Care Act On Exchange and Off Exchange. We are up-to-date with what is available in our area. We have a 99% success rate in obtaining Premium Assistance and Cost Sharing.

Please watch our emails. Let us know when you get your letters. (847-362-8888) We'll be setting up appointments with those clients receiving premium assistance.

We're here to take care of you.

Jerry Pearlstein   Rebecca Bloomfield