INTEGRITY BENEFITS GROUP, LLC

 

 

Important Dates

• November 1, 2022 - Open enrollment begins.

• December 15, 2023 - Enroll by this date for coverage to begin Jan. 1

 

How can I get health coverage outside the yearly Open Enrollment?  

• Outside Open Enrollment, you can enroll only if you qualify for a Special Enrollment Period (SEP). You qualify if you have a baby, get married, lose job-based coverage, or have certain other life changes. 

See all changes that qualify for SEPs.

• If you do not qualify for a SEP, you can apply as soon as November 1 for coverage starting January 1, 2023.

 

Can I be declined for individual health insurance because of a medical condition?

• Health insurance companies can't refuse to cover you or charge you more just because you have a pre-existing condition. They also can’t charge women more than men.  

 

Can I get help paying  for my health insurance?

• Based on your income, family size and the health plan you choose, you may qualify for tax credits and help paying for coverage.  

  • Tax Credits will help eligible people pay for insurance premiums.

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More help before you apply

• Estimating your expected household income for 2023

  • You can probably start with your household’s adjusted gross income and update it for expected changes. (Savings are based on your income estimate for the year you want coverage, not last year.)

  • You may qualify to enroll in or change Marketplace coverage through a new Special Enrollment Period based on estimated household income. See if you may qualify.

  • Use our income calculator to make your best estimate.

  • Learn more about estimating income, and see what to include.

• Including the right people in your household

  • Count yourself, your spouse if you're married, plus everyone you'll claim as a tax dependent, including those who don’t need coverage.

  • Learn more about who to include in your household.