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By Ben Siegfried, HealthMarkets Insurance Agency

One of the hallmarks of last year’s Affordable Care Act (ACA) enrollment was the elimination of the tax penalty for those failing to acquire coverage. The law requiring coverage was and is still in place, but the individual mandate on the tax penalty was eliminated last year. This was a tax code change, not an ACA change, but it obviously impacted everyone covered under the Affordable Care Act.

The tax code change gave people who were subscribed to an ACA plan more options. Some chose to stay with the ACA coverage they already had, others chose to switch to a non-ACA governed plan. ACA plans do a great job of including all of the things a healthcare plan should include. If you decide to make a switch, it should really be based on sound information. A free review with me will give you exactly that.

People who want or need ACA coverage still need to follow the enrollment dates (November 1-December 15), or they need to change plans. With me, you’ll have the power to learn about all of your options, and you can feel confident that the plan you’re in, or perhaps another plan, is the best fit for you and your family. You have the power to choose.

Everyone needs health insurance coverage. The difference I can offer is that my services are free of charge, and I can provide access to carriers some other agents cannot. I can help you determine if you should elect coverage outside of the ACA, or if staying with the ACA makes better sense.

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. Call licensed insurance agent Ben Siegfried at 216-835-1255. Hours are by appointment, with evenings and weekends available.

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. Agents may be compensated based on enrollment. No obligation to enroll. HMIA007442 10/2019