Our first major deadline has passed – December 15 has come and gone. That was your chance to get health insurance with an effective date of January 1.

If you are the person thinking “Oh my gosh, I missed the deadline, I don’t have insurance!”, don’t despair, because we have one more deadline, January 15. You can still get health coverage, the only difference is that it will not be effective January 1, but it will be effective February 1. So we have till January 15 to get you some health care coverage. And that will be the last time that there’ll be open enrollment for the year. If you miss the January 15 deadline, then you will not be able to apply for marketplace insurance, and you will not be able to look at the subsidies.

There may be alternatives if you happen to miss it. But we want to make to get you Marketplace insurance if that’s what you need. To make sure that we can evaluate your needs, be sure that you get on my schedule, so that I can talk to you and get something in place by January 15 for February 1.

The other thing I wanted to mention is if you picked a plan and are thinking “Oh man, I really need to change it”, or “I’m not sure I picked the right plan”. Again, book an appointment with me I can evaluate what you have, and we can change it. You will be stuck with the plan you pick till February 1. But we can always switch it over or in case you forgot to do a subsidy or anything like that. We can reapply and get all that taken care of, because it will be fixed as of February 1.

Remember- I am here, still trying to help as many people as possible get the health coverage they need. The days are getting colder. It’s the winter solstice. If you need any help please feel free to reach out to me and book an appointment, either way, stay warm, stay healthy. Take care!