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Infographic: Obamacare Open Enrollment Checklist 2017

Posted Nov 01, 2016 by Jenifer Dorsey

Open enrollment for 2017 health insurance plans began Nov. 1, 2016, and goes through Jan. 31, 2017. Use this list as a guide to help you navigate the open enrollment process.

 

Expanded checklist

1. Schedule preventive care appointments

  • Healthcare physical with primary care physician
  • Comprehensive eye exam
  • Routine dental exam and cleaning

2. Review your healthcare needs in the past year

  • Did you require more or less care than expected?
  • Were you diagnosed with new conditions requiring ongoing care?
  • Have you started or stopped taking prescription medications?

3. Consider your healthcare needs in the year to come

  • Do you anticipate any medical procedures or surgeries?
  • Will you be having a baby?
  • Are you at increased risk for illness or injury?

4. Evaluate your financial situation

  • Did you spend more or less than expected on healthcare this year?
  • Has your household budget changed? Do you expect it to change in the next year?
  • Have you avoided seeking medical care due to out-of-pocket costs?

5. Assess your current coverage

  • Are you satisfied with your current plan and insurance company?
  • Will your current plan be available in 2017? If so, how will it change in terms of premium cost, out-of-pocket responsibility, provider networks, drug formularies, etc.?
  • Will your premium go up in 2017?

6. Research your 2017 plan options

  • What plans are available to you in 2017? 
  • How do plan details including premium cost, out-of-pocket responsibility, provider networks, drug formularies, etc. differ?
  • Might you qualify for subsidies such as premium tax credits and cost-sharing reductions?

7. Gather healthcare information and financial documents for all applicants

8. Use the Health eDeals Health Insurance Cost and Subsidy Calculator to estimate your tax credit and potential penalty

9. Locate a local, licensed health insurance agent using Agent Finder; they can help you:

  • Find subsidy-eligible health insurance and off-exchange plans
  • Understand supplemental products (e.g., medical gap, dental, critical illness, hospital indemnity plans) to lower your out-of-pocket healthcare costs
  • Get answers to specific questions you have about Obamacare and health insurance

10. Enroll by Dec. 15, 2016, to begin coverage on Jan. 1, 2017. Open enrollment for 2017 ends on Jan. 31.

 

Prefer to enroll on your own?

Start shopping now!

 

 


This document is for general informational purposes only. While we have attempted to provide current and accurate information, this information is provided "as is" and we make no representations or warranties regarding its accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. External users should seek professional advice from their own attorneys and tax and benefit plan advisers with respect to their individual circumstances and needs.

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company) and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., 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 via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.