Buying individual Illinois health insurance plans can be a bit of a challenge, especially if you’ve never had to go through this process before – especially after the Affordable Care Act was signed into law.
Yes, the ACA has definitely made some major improvements to the world of health insurance in the United States. But there are still a lot of unknowns that people have to navigate when they go to purchase their own individual health insurance that makes the process a little more complex and convoluted than most expected it to be.
Thankfully, with the information below, you should be able to navigate the health insurance marketplace without too much trouble. You’ll be able to find the right plan at illinois-insurance.website for your needs (and your budget), all without having to deal with the headache and hassle that others contend with.
Let’s dive in!
Make sure that you get in under the deadline and cutoff date
For starters, you should realize that the Health Insurance Marketplace for individuals is not open 24/7, 365 days a year.
No, you’re only going to be able to purchase individual Illinois health insurance plans during the “Open Enrollment Period”.
This year’s open enrollment period was between November 15, 2015 and January 31, 2016, so you’ll have to make sure that you move quickly to get your hands on a quality individual health insurance plan or you’re going to have to wait until November – and go without coverage until you’re able to sign up.
Always ask about possible subsidies that you can take advantage of
Secondly, you’re going to want to make sure that you contact health insurance counselors (almost all major medical facilities and hospitals employ them and offer their services free of charge) to ask them about any potential subsidies you’ll be able to take advantage of.
The ACA goes a long way towards helping people afford individual health insurance that they might not have been able to otherwise, and a lot of that is possible through the subsidies that they provide. Not everyone will qualify for these deals or discounts, but you’ll want to figure out which ones you are eligible for so that you don’t pay any more out-of-pocket than absolutely necessary.
Move forward with the most valuable plan (not necessarily the cheapest)
Finally, it’s important that you remember the clear distinction between the cheapest individual Illinois health insurance plans and the most valuable. There’s no sense whatsoever in spending any money on insurance that you’ll never use, so look for a valuable plan that may be slightly more expensive, but provide you with the coverage and peace of mind you deserve.