As a broker for multiple carriers in our market, I search the marketplace for health insurance subsidies and with each individual carrier for the best options to cover you and your family.  Open enrollment is from November 1 - December 15, for an effective date of the following January. People with qualified health events may enroll 60 days from the event.

Health Insurance subsidies mean lower premiums for those people with household incomes below 400% of the federal poverty level. More people than ever before qualify for help paying for health coverage.  Premiums after new savings will decrease, on average, by $50 per person per month or by $85 per policy per month. According to CMS.org, four out of five enrollees will be able to find a plan for $10 or less/month after premium tax credits, and over 50% will be able to find a Silver plan for $10 or less.