On March 23, 2010, President Obama signed the Affordable Care Act. This law was designed to bring comprehensive health insurance reforms, hold insurance carriers accountable for costs, and  give more consumers access to health care.

Each year, there is a period of time called “open enrollment," which runs from November through January. During this time, you can shop and apply for a new health insurance plan if you find your current plan unsuitable. Once open enrollment period ends, you cannot buy or change a plan unless, you have a qualifying life event (such as losing your current coverage, getting married, or having a baby).

Consumers are also offered tax credits if their household income falls below established thresholds. The law also requires penalties, based on income or number of dependents, for consumers who choose not to participate in a health care plan.

Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more, people are buying private health insurance plans tailor made for individuals, and families.

If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan from us now.

If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan from us now.

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