Affordable Care Act Insurance Enrollment Season Approaches

Open Enrollment for the Affordable Care Act is just around the corner.

Insurance can be a tricky subject to navigate, but there are professionals, here in Victoria, who are ready to help.

November 1 through December 15 is the only time during the year when people can enroll in an insurance program if they aren’t already enrolled through a job or through a family member.

“There’s a lot of people who don’t have insurance and find out they have a major illness, they find out they need surgery and they feel lost because they don’t have any insurance. It’s real important because this is the only time of the year that people can enroll in health insurance,” Independent Insurance Agent Jeannette Flores said.

Affordable Care Act enrollment is different than Medicare/Medicaid enrollment because it focuses on coverage for those under 65.

Anyone is eligible to enroll but proof of household income, proof of citizenship, a social security number and date of birth are required for each person enrolling.

Enrollment is done online or over the phone, but independent insurance agent Jeanette Flores recommends seeking out an agent to help guide the application process.

“You can enroll over the phone with healthcare.gov but sometimes if you don’t answer or they don’t ask the correct questions and you answer something wrong it could jeopardize your chance of getting a tax credit,” Flores said.

Flores is beginning to make appointments to assist in the application process that will take place starting the third week of October.

She is also holding workshops the last two weekends of the enrollment period that are free and open to the public.

The workshops will be held from 10 in the morning to 2 in the afternoon at the Crossroads Professional Building.

“We invite the public to come in and whoever is interested in enrolling in insurance we will sit down and go through the application process with them we will let them know what the cost is going to be we actually help them go through the plans and decide which plan is best for them,” Flores said.

Flores cautions those enrolling to ask whether it’s a limited benefit health plan or a qualified health plan to avoid issues with unexpected extra costs.