Let HealthMarkets Agent Roni Bell explain your and explore your ACA options
By Beth Newcomb
Although Barack has departed and Donald taken his place, nothing about Obamacare (the Affordable Care Act) for 2019 has changed. People without employer sponsored healthcare are required to have health insurance under the law. But there is an interesting wrinkle that falls outside the governance of the act that may have people who participate in the Affordable Care Act breathing a collective sigh of relief.
According to Roni Bell, a licensed insurance agent with HealthMarkets Insurance Agency, the tax penalty associated with avoiding coverage under the ACA has been eliminated by President Trump. “The individual mandate on the tax penalty has gone away for 2019, which means you won’t be assessed on your 2019 taxes,” she says. “This is a tax code change, not an ACA change, but it obviously impacts everyone covered under the Affordable Care Act.”
What that tax change means to people who currently subscribe to ACA coverage is they now have the freedom to change to a non-ACA governed plan if it makes better sense.
“People with pre-existing conditions and those who are subsidy eligible still fit into the ACA mold and may want to continue their coverage,” Roni explains. “Healthy people who are not eligible for a subsidy may want to consider a plan that falls outside of the ACA. It could save them some money.”
If you are on an ACA plan right now, it makes sense to schedule a free review with Roni to see if that plan is still the right fit. If it is, she’ll tell you. If it isn’t, she’ll help you determine which coverage option better fits your needs.
“Many of the carriers and networks under the ACA are still the same,” Roni says. “ACA plans like Medical Mutual do a great job of including all of the things a healthcare plan should include, like standard essential benefits and access to doctors and hospitals in your area. They also offer preventative coverage options, and things like maternity care if you need them. These plans offer really excellent benefits and some people will want to stick with what they’ve got.”
“For others, the benefits under their existing ACA plan may exceed what they really need,” Roni continues. “Under the new tax law, it’s possible to pick a plan that falls outside of the ACA and still includes coverage you need and can use—saving you money without the tax penalty.”
“The enrollment period, which runs from Thursday, November 1, until Saturday, December 15, is still the law,” Roni explains. “People who want or need ACA coverage still need to follow the enrollment dates, or they need to change plans.”
Because Roni is a licensed insurance agent with HealthMarkets, she has access to nearly all of the major carriers, so you don’t need to sit down with more than one agent. Meeting with Roni is a one-and-done.
“Everyone needs health insurance coverage,” she says. “The difference I can offer is that my services are free of charge, and I can provide access to carriers some other agents cannot.”
The time it takes to determine if you’re in the right plan is about an hour.
Roni Bell of HealthMarkets Insurance Agency has an office at 1039 Pearl Road in Brunswick. The phone number is 330-225-2550. Hours are Monday-Friday, 9 a.m.-5 p.m.; Saturday, Sunday and evening hours by appointment. You can schedule a time to meet with her at the office, or she’s happy to visit with you on your own turf or a location of your choosing.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. No cost or obligation to enroll. Agents may be compensated based on enrollment. HMIA006192