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ACA Open Enrollment Period for 2018 is Nov 1 to Dec 15 2017
09-29-2017, 04:42 AM
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#1
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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ACA Open Enrollment Period for 2018 is Nov 1 to Dec 15 2017
Just so you know that it's quite a bit shorter than the previous enrollment periods, so don't miss the deadline.
https://www.healthcare.gov/glossary/...llment-period/
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Retired since summer 1999.
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09-29-2017, 06:38 AM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,201
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I am thankful that we have our program in place and are happy with it... since we are not taking subsidies I don't need to do anything... it just automatically renews.
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If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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09-29-2017, 07:08 AM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by pb4uski
I am thankful that we have our program in place and are happy with it... since we are not taking subsidies I don't need to do anything... it just automatically renews.
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I keep my fingers crossed that this will be the first year that we can count on auto-renewal. The last two times plans we were on were removed and we had to scramble to reapply during the open enrollment period.
Prior to the last two years we also had to re-enroll during open enrollment because the plan we were on dropped the HSA compatibility because they added copays for some bizarre reason. So we had to reapply to get to the one plan left that was still HSA compatible.
So every year since ACA started we've had to reapply for one reason or another.
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Retired since summer 1999.
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09-29-2017, 08:11 AM
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#5
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2003
Location: Florida's First Coast
Posts: 7,652
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I hope so too.
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"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
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09-29-2017, 08:19 AM
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#6
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Thinks s/he gets paid by the post
Join Date: Dec 2014
Posts: 2,509
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Quote:
Originally Posted by pb4uski
I am thankful that we have our program in place and are happy with it... since we are not taking subsidies I don't need to do anything... it just automatically renews.
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Quote:
Originally Posted by audreyh1
I keep my fingers crossed that this will be the first year that we can count on auto-renewal. The last two times plans we were on were removed and we had to scramble to reapply during the open enrollment period.
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I emailed my insurance company to sort out what plans look like this year. 2016 I bought a plan thru them direct after cobra ended. That time they gave me warning the plan was not being renewed. 2017 I bought thru the exchange (insurance company was not doing direct for individual plans) from the same insurer. This year I've heard nothing about insurance for next year, but I know the present company will have offerings in my county. They said they could share info around mid October. I'm guessing my plan is not being cancelled, but have not clue if they will keep the same network. I expect that rates will likely rise by about 20% or so based on general news on rate requests.
My question for the quoted, what information do you have about your next year's insurance and where do you get it this early?
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09-29-2017, 08:40 AM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by bingybear
I emailed my insurance company to sort out what plans look like this year. 2016 I bought a plan thru them direct after cobra ended. That time they gave me warning the plan was not being renewed. 2017 I bought thru the exchange (insurance company was not doing direct for individual plans) from the same insurer. This year I've heard nothing about insurance for next year, but I know the present company will have offerings in my county. They said they could share info around mid October. I'm guessing my plan is not being cancelled, but have not clue if they will keep the same network. I expect that rates will likely rise by about 20% or so based on general news on rate requests.
My question for the quoted, what information do you have about your next year's insurance and where do you get it this early?
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Fingers crossed, but that last two times there were MAJOR changes, like dropping PPOs, or leaving the state entirely, I usually knew it was going to happen by July of that year, and I have heard no such noise this year. Knock on wood!!!
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Retired since summer 1999.
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09-29-2017, 09:01 AM
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#8
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Thinks s/he gets paid by the post
Join Date: Dec 2014
Posts: 2,509
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The plan I purchased in 2016 (last 4 months) was a PPO with a nation wide network for travel coverage and a broad local coverage. This year, narrow network (HMO/HDHP) in state and life threatening nation wide (take it as you will). But the choice of network left out my cardiologist. There were two non-medicaid'ish insurers last year, but only one this year. So the thought is who will the insurer team with.
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09-29-2017, 09:31 AM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,679
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I got a letter a few months ago from my ACA carrier and they told me they had filed for a 17% increase for 2018. It is up to my state's (New York) insurance department to approve it or cut it back.
Around a year ago, I had also gotten a letter from them telling me some of my doctors were being cut loose from their network of providers. Thankfully, two of my important doctors whose futures within their network were uncertain, got resolved and they remained in their network. (I was going to see one of them out-of-network, as I described in another thread.) One did not, although it wasn't a key doctor, so I was able to find another one. A few others who got dropped I was not seeing on an ongoing basis. Close call.
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Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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09-29-2017, 04:21 PM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2008
Posts: 13,127
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So, if I get a subsidy, I can still auto enroll and will get subsidy following year, right? That's assuming my income doesn't change much.
I expect to have just one reasonable choice as the insurer.
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Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
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09-29-2017, 04:41 PM
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#11
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,514
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Quote:
Originally Posted by easysurfer
So, if I get a subsidy, I can still auto enroll and will get subsidy following year, right? That's assuming my income doesn't change much.
I expect to have just one reasonable choice as the insurer.
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With health insurance I would not assume this unless the insurer sends a letter specifically spelling out the renewal.
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09-29-2017, 04:55 PM
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#12
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Thinks s/he gets paid by the post
Join Date: Mar 2017
Location: New York City
Posts: 2,838
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Quote:
Originally Posted by scrabbler1
I got a letter a few months ago from my ACA carrier and they told me they had filed for a 17% increase for 2018. It is up to my state's (New York) insurance department to approve it or cut it back.
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Looks like they got a 14 % increase. NY approves double-digit health insurance rate hikes for 2018 | syracuse.com
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Withdrawal Rate currently zero, Pension 137 % of our spending, Wasted 5 years of my prime working extra for a safe withdrawal rate. I can live like a King for a year, or a Prince for the rest of my life. I will stay on topic, I will stay on topic, I will stay on topic
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09-29-2017, 05:06 PM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2013
Posts: 11,078
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I received a letter from my insurer today. My plan continues next year and has the same deductibles! Yeah! What's the price?
I don't know! It wasn't on the official snail mail. The rest of the financials were!
The price last year was almost $1,400 monthy for my individual silver plan. I'm guessing it's going to be 25% higher next year. We're managing our income, sadly before Medicare there's going to be a shortage. OH well.
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09-29-2017, 05:29 PM
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#14
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2008
Posts: 13,127
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Quote:
Originally Posted by MichaelB
With health insurance I would not assume this unless the insurer sends a letter specifically spelling out the renewal.
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Assume, then verify .
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
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09-29-2017, 06:15 PM
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#15
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Moderator
Join Date: Nov 2015
Posts: 13,844
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I believe overall plan pricing was due to be submitted by the carriers to congress this week (wednesday?). Understandably, many were in a quandary what to charge given the recent...uncertainty.
But I would not expect any general publication of rates until after the govt approves, though of course you might get a preview of what was requested from your existing provider.
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09-29-2017, 07:54 PM
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#16
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by Aerides
I believe overall plan pricing was due to be submitted by the carriers to congress this week (wednesday?). Understandably, many were in a quandary what to charge given the recent...uncertainty.
But I would not expect any general publication of rates until after the govt approves, though of course you might get a preview of what was requested from your existing provider.
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I thought this was done on a state by state basis, and decided over the summer. Usually companies announce the ACA compliant plans and rates in October, a month before the Nov 1 open enrollment.
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Retired since summer 1999.
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09-29-2017, 08:16 PM
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#17
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,140
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I wonder if the shorter window applies to states that have their own exchanges. I've applied through CoveredCa since retiring. I've always had to reapply since we had changes. (DH wanted to change insurers, boys and I stayed on the old insurer... then DH went on medicare this year on Jan 1).
Perhaps this will be the first year we can just roll over (the boys and I) and not have to deal with coveredca.
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Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 6%, rental income 20%
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09-29-2017, 08:29 PM
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#18
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2006
Location: Boise
Posts: 7,862
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It looks like my insurer will continue this next year and my plan will also be available. My net premium after subsidy will decrease by 9 cents per month.
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"At times the world can seem an unfriendly and sinister place, but believe us when we say there is much more good in it than bad. All you have to do is look hard enough, and what might seem to be a series of unfortunate events, may in fact be the first steps of a journey." Violet Baudelaire.
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09-29-2017, 08:30 PM
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#19
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by rodi
I wonder if the shorter window applies to states that have their own exchanges. I've applied through CoveredCa since retiring. I've always had to reapply since we had changes. (DH wanted to change insurers, boys and I stayed on the old insurer... then DH went on medicare this year on Jan 1).
Perhaps this will be the first year we can just roll over (the boys and I) and not have to deal with coveredca.
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No. I read something that indicated that was just for the Federal Exchange and that most states that have their own exchanges the deadlines are extended but vary.
Quote:
Some States Extend Deadlines
In response, several states that run their own health insurance exchanges have extended their open enrollment periods beyond the deadline set by the Trump administration. New York is one: Citing concerns about the earlier deadlines, the state will use the same open enrollment time frame as last year – from Nov. 1, 2017 to Jan. 31, 2018. “Our goal is to ensure that consumers have adequate time to shop for and enroll in the health plan that is best for their family,” New York State of Health Executive Director Donna Frescatore said in a statement. The other states that have opted for longer open enrollment periods (so far; more can join them) are California, Colorado, Massachusetts, Minnesota, Rhode Island and Washington, plus Washington, D.C. (Check end dates, as they may vary.)
Read more: Alert: Shorter Enrollment for Affordable Care Act This Year | Investopedia http://www.investopedia.com/insuranc...#ixzz4u7qzxanj
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__________________
Retired since summer 1999.
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09-29-2017, 08:49 PM
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#20
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Moderator Emeritus
Join Date: May 2007
Posts: 12,890
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It looks like my current plan (Bronze HSA) will be proposed again in 2018. My insurer requested a 5% increase.
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