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Open enrollment for 2016 health insurance plans begins Nov. 1, 2015. It’s a little ways off, right? That may be the case, but those who buy individual or family coverage from a state-based or federally facilitated health insurance exchange or in the private health insurance marketplace may be wise to start thinking about it now.
Automatically renewing the same health insurance plan from year to year can be tempting due to perceived ease and convenience. However, because personal healthcare needs and household situations may change from year to year, sticking with the same plan can also mean missing out on the right benefits for your circumstances and possibly spending more than you need on coverage and/or medical.
Sure, you may ultimately decide to stick with your current health insurance coverage—or you may not. Either way, planning ahead for the 2016 Obamacare open-enrollment period can help you make a more informed decision. Our monthly open enrollment checklists will gradually help you prepare.
About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.