Annual Open Enrollment Begins November 1, 2020

Important Enrollment Dates for 2021 Plans

11/1/2020 – 12/15/2020         Open Enrollment to shop for your 2021 plan

12/22/2020                                              Last day to enroll in your plan for  2021 coverage


 

Sue Boswell Insurance provides a place to browse and compare all ACA Health Plans available through Idaho insurance carriers. You may also determine if you are eligible for premium tax credits and cost sharing reduction.  Through Your Health Idaho, you may be able to lower your monthly insurance payment if you are eligible for premium tax credits or with cost sharing reduction which lowers your “out-of-pocket” cost such as co-pays. Refer to the chart below to determine if you might be eligible for potential premium tax credits/cost sharing reduction.

Please call Your Health Idaho certified agent/broker Sue Boswell at 208-861-0286 or email sueb@bcins-id.com for assistance with plan recommendation, selection or any other questions! Serving as your agent is my privilege and honor!


To apply for tax credit eligibility and cost sharing and to enroll, visit Your Health Idaho

Important – select your YHI certified agent “Sue Boswell” by clicking on “Find agent…..” link.  Sue Boswell must be designated agent of record at Your Health Idaho and Ida Link to assist you with your plan and coverage questions.

Use the chart below to determine if you might be eligible for a premium tax credit.

FPL3

NOTES for 2021

  • Remember, Idaho Medicaid Expansion for eligible Idahoans with an average household income up to 138% of FPL will be enrolled in Medicaid.  Eligible Idahoans with an annual household income of 139-400% of FPL can enroll through Your Health Idaho and receive APTC to lower their monthly insurance premiums. FPL for 2021 health plans is based on the 2020 FPL income levels.
  • Custom Grouping is for those who are enrolling with tax savings via Your Health Idaho. This option allows families with mixed financial eligibility to apply with multiple plans to fit individual coverage needs.
  • Regence of Idaho plans are now available for 2021 on the Exchange as well as off-Exchange. You may be eligible for a premium tax credit for one of the new Regence plans, including the well priced St. Luke’s network plans.

 

 


Don’t qualify for a tax credit? 

If you are not applying for the Advanced Premium Tax Credit, and you have determined you are renewing with your current carrier, please follow the guidelines provided with your renewal packet. If you wish to look at other plans with your carrier or have chosen a new plan with a different carrier, please visit the Shop for a Plan  page for insurance carrier links.


ACA Special Enrollment Period

If you find yourself needing an individual plan outside of the annual open enrollment period, you have three possible options to attain coverage.

  1. If you experience a qualifying event which entitles you to an ACA Special Enrollment Period 
  2.  Apply to enroll in a Blue Cross ACCESS PLAN
  3. Apply to enroll in a Select Health ENHANCED SHORT-TERM PLAN

Access Plans and Enhanced Short-term Plans can be as much as 40% less than ACA Individual Plans.

A Qualifying Life Event (QLE)  may qualify you for a Special Enrollment Period. A SEP allows individuals and families to enroll in a plan. Qualifying life events can make you eligible to make changes to your existing plan.

Examples of a QLE include:

  • Birth and Adoption
  • Loss of Coverage
  • Marriage and Divorce
  • Moving
  • American Indian and Alaska Native
  • Other special circumstances

Find out more about qualifying for a SEP here https://www.yourhealthidaho.org/special-enrollment

Blue Cross ACCESS Plans

The new Blue Cross “Access” plans  will be available for coverage as an AFFORDABLE alternative to the ACA  individual plans.  You may enroll online or with a paper application.

Enroll in the new  ACCESS PLANS here  or download the full ACCESS PLAN GUIDE here

  • You may enroll year-round. There is no open enrollment period for Access plans.
  • Your premium will be calculated based on your medical history.
  • Access plans include the statewide Blue Cross of Idaho PPO network.
  • Access plans are renewable for up to 36 months. Access plans provide a longer-term, more affordable option for Idahoans looking for comprehensive health insurance coverage for them and their families.
  • Access plans offer exciting first-dollar benefits that provide real value.

Select Health Enhanced Short-Term Plans

Effective February 2020, Select Health offers Enhanced Short Term plans. These plans are an affordable alternative to ACA individual plans and allow application/enrollment at any time during the year without a qualifying life event.  The Enhanced Short Term Plans use the Select Health network which includes St. Luke’s hospitals and providers.

ENROLL in an Enhanced Short-Term Plan here.  Download the Enhanced Short-Term Plan Guide here

  • Variable premiums. Your premiums may vary depending on how healthy you are. If you have a pre-existing condition (PEC), it will be factored into your premium and there may be a waiting period for coverage for services related to a PEC.
  • Flexible terms. Plans are renewable for up to three years.
  • Available when you need them. You may enroll any time during the year. No open enrollment or special enrollment periods.
  • Basics are covered.
  • Plans are guaranteed issue and guaranteed renewal.