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Categories FAQ

What’s new in 2020?

Rate increases for 2020; Anthem will rejoin the exchange, average rate changes lower than past years. As was the case in 2019, we will continue to see the cost-sharing reductions as well as lower deductibles and out of pocket maximums for on-exchange silver plans for 2020. And good news for people in Northern Maine, Anthem’s … Read more What’s new in 2020?

Categories FAQ

What are High-Deductible Plans?

      Should I consider a high-deductible plan? Answer: If you’re healthy and have some money in the bank, you might want to consider a high-deductible health insurance plan (HDHP). HDHPs typically have lower premiums than traditional health plans because of the high deductible, and they protect you from catastrophic health events. But HDHPs are not … Read more What are High-Deductible Plans?

Categories FAQ

What are Catastrophic Plans?

     I’ve always had a high deductible plan, and I’m happy with my coverage. I’ve heard that the ACA allows for a catastrophic plan. Is that the best option for me? Answer:  Catastrophic Plans are only available to people under age 30 or people older who qualify for a hardship exemption. Although the term “catastrophic … Read more What are Catastrophic Plans?

Categories FAQ

What is a Consumer Operated and Oriented Plan?

     Community Health Options (CHO) is a Co-Op, how are they different from regular health insurance companies? Answer: They are basically the same. Co-ops are health insurance companies run by members for members, similar to credit unions. They were created through the Affordable Care Act in 2010 to increase competition among health insurers and … Read more What is a Consumer Operated and Oriented Plan?

Categories FAQ

Documents Check List | Preparing to enroll in 2020

Ideally you want all these things, but if you don’t have everything still try getting as far as you can through the process. Last year’s tax information for you and your family Estimated income for the coming year Social Security Numbers for everyone enrolling Employer and income information for every member of your household who … Read more Documents Check List | Preparing to enroll in 2020