ACA Individual Health Fall Open Enrollment 2016
O.K. the 3rd Open Enrollment for individual and family coverage (2016 coverage) has started.
Open enrollment for individual & family ACA health insurance plans is Nov 01, 2015 – Jan 31, 2016. (link for 2016 timeline). and YES, this is for plans ON and OFF the Marketplace.
12/15/2015 deadline for coverage to start 01/01/2016
01/15/2016 deadline for coverage to start 02/01/2016
01/31/2016 deadline for coverage to start 03/01/2016
For individuals and family’s HMO network coverage is what the major companies will offer in Texas for 2016. So yes, the PPO plans will go away if you purchase coverage after the start date of true ACA plans. Plans purchased prior to the “official start” (Oct 1 of 2013 for plans that already started 01/01/2014) of ACA plans are grandfathered in and can stay in place.
Note small and large group plans can and will have no changes for the networks the health insurance company’s offer ( so yes to HMO, PPO, POS and EPO, etc…)
Memorial Hermann is new to the individual market for the Houston TX area only for plans to start in 2016. This carrier will have HMO & PPO plans. So for the greater Houston area there will be a non HMO (PPO) option.
note* For most health insurance companies (carriers) you can purchase plans ON (healthcare.gov) or OFF the marketplace (from the insurance co).
Health Insurance co’s (that we work with (TX – only)) information links.
Aetna find a provider (Doctor)
Blue Cross Blue Shield of Texas
StayBlueTX.com (a link for info for current policy holders)
Cigna ACA info for 2016
Cigna_883593-plan-comparison-medical-dental-tx_for_2016 (right click to open pdf)
HumanaOne ACA info for 2016 (doc & provider finder from Humana)
note * HumanaOne in the greater Houston TX are is only ON Marketplace plans. (if at all see zip code)
United Health One
United Health One ACA info 2016
New for 2016
Memorial Hermann Health Insurance (MHHI) ACA info 2016 (off Marketplace only)
Kff.org explaining open enrollment for ACA
ACA = Affordable Care Act ( or Obama Care)