#GetCovered, Open Enrollment Is Here

Posted on Nov 1st 2017 by Florida Blue

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Open Enrollment Period (OEP), is the designated period of time for individuals and families who purchase their own health coverage (not through an employer) to get a 2018 health insurance plan through the marketplace. OEP runs from Nov. 1 to Dec. 15, 2017—half the amount of time as last year, and it's important to stay informed.

We’ve provided answers to the top questions about OEP, so you can use them to help make informed decisions.

Question 1: Do I still need to buy health insurance?

Yes! The Affordable Care Act (ACA) is still the law of the land. If you don’t get health insurance, not only will you be without coverage for doctor visits, hospital care and wellness checkups, you’ll be subject to a government fine or penalty.

Question 2: Is there anything different for this year’s Open Enrollment and will it affect me?

Yes! You have less time to enroll, renew or change plans. December 15, 2017, is the deadline this year. If you miss it, you may need to wait until 2019 to get coverage or make changes. Also, for 2018, you may have new health plan options available to you. Let a Florida Blue agent help you find a plan that meets your needs and budget.

Question 3: Will I still be able to see my regular doctor? How much will it cost me?

It depends. Who you see and how much you’ll pay really depends on the plan you choose. When considering your options, you should ask about the costs for visits, and which doctors, hospitals and pharmacies are in the network. Florida Blue offers plans with $0 doctor visits when you see a Value Choice Provider.

Question 4: I’ve read that several health insurers are leaving the Marketplace in Florida. Do I need to be concerned?

Yes, if one of those insurers is yours. If they are leaving the Marketplace, your plan will likely be canceled, leaving you without health care coverage. With Florida Blue, you can rest assured we have plans to fit your needs and we’ll be here for you—as we have been for more than 70 years.

Question 5: Will I still be able to get financial assistance to help pay my monthly premium?

Yes. You can continue to get financial assistance based on the 2018 eligibility guidelines. A Florida Blue agent can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2018 monthly payment.  

You don’t have to go it alone this Open Enrollment season.

Call us at 855-819-3215to chat with an agent, stop by a Florida Blue Center or talk to your health insurance agent. We’re here for you. Learn more at FloridaBlue.com 

Helpful resources about Open Enrollment:

Top 5 Questions flier E

Top 5 Questions flier SP

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