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What To Expect


Open Enrollment for 2016 ended January, 31, 2016. If you have a "qualifying event" you may still get covered based on these special circumstances:

Definition of a Qualifying Event for Special Enrollment

If you have questions, contact your broker.


Play or pay – It’s the law

The government isn't joking about health insurance. If you don't have coverage, there will be a tax penalty. When you file your 2015 taxes in 2016, you'll need to prove you had health insurance in 2015. If you can't prove you had health insurance, get ready for the penalty. The amount varies based on your income and family size and increases each year. The penalty may be waived for certain situations, such as religious reasons.


Tobacco – if you use tobacco, your insurance will cost you more.

Insurance companies can charge people who use tobacco up to 50 percent more for health insurance. If you use tobacco four or more times a week, you are considered a tobacco user; for example, smoking four cigarettes a week is considered tobacco use. Tobacco use means all types of tobacco, including smokeless tobacco. However, the good news is that programs are available to help you become tobacco-free with no out-of-pocket costs. And, you won’t be charged the surcharge after being tobacco-free for six months.



What To Expect


Open Enrollment for 2016 ended January, 31, 2016. If you have a "qualifying event" you may still get covered based on these special circumstances:

Definition of a Qualifying Event for Special Enrollment

If you have questions, contact your broker.


Play or pay – It’s the law

The government isn't joking about health insurance. If you don't have coverage, there will be a tax penalty. When you file your 2015 taxes in 2016, you'll need to prove you had health insurance in 2015. If you can't prove you had health insurance, get ready for the penalty. The amount varies based on your income and family size and increases each year. The penalty may be waived for certain situations, such as religious reasons.


Tobacco – if you use tobacco, your insurance will cost you more.

Insurance companies can charge people who use tobacco up to 50 percent more for health insurance. If you use tobacco four or more times a week, you are considered a tobacco user; for example, smoking four cigarettes a week is considered tobacco use. Tobacco use means all types of tobacco, including smokeless tobacco. However, the good news is that programs are available to help you become tobacco-free with no out-of-pocket costs. And, you won’t be charged the surcharge after being tobacco-free for six months.