FAQs

  • Losing health insurance can be a daunting experience, but don't worry—we're here to help you regain coverage and secure your peace of mind. First, check if you qualify for a Special Enrollment Period due to life events such as job loss or a change in family status. If eligible, you can enroll in a new plan right away.

    Another option is COBRA (Consolidated Omnibus Budget Reconciliation Act), which allows you to continue your previous employer's health insurance coverage for a limited period, typically 18 months, after losing your job. Although you will be responsible for the full premium, COBRA provides essential continuity in your healthcare during this transitional phase, ensuring you remain protected.

    Additionally, consider short-term health insurance plans as a temporary solution while you seek more permanent coverage. These plans can bridge the gap and provide the necessary coverage until you find a long-term option. Most importantly, consult with one of our licensed insurance advisors to explore all available options and find a plan that meets your needs. Our experienced team is ready to guide you through the process and ensure you get the best coverage possible.

  • To obtain another insurance card, start by contacting your insurance provider's customer service via phone or their online portal. You will typically need to verify your identity by providing personal information such as your policy number, name, and date of birth. Once you've confirmed your identity, request a replacement card. Many insurers will send a new card to your registered address, while others may allow you to download a digital version that you can print immediately. Be sure to check your provider’s specific policies regarding replacement cards, as processing times and methods may vary.

  • The health insurance marketplace is a platform where individuals and families can compare and enroll in various health insurance plans. Established under the Affordable Care Act, this marketplace aims to provide accessible and affordable health coverage options to consumers, especially those without employer-provided insurance. Throughout the marketplace, users can evaluate essential health benefits, premium costs, and coverage networks to make informed decisions based on their healthcare needs and financial circumstances. Open enrollment periods designate specific times for individuals to enroll or make changes to their plans, ensuring they maintain adequate insurance coverage as per federal and state regulations.

  • The 1095 forms, specifically 1095-A, 1095-B, and 1095-C, are essential documents used to report health insurance coverage to the Internal Revenue Service (IRS). These forms provide detailed information about the health coverage individuals received during the tax year, including the type of coverage, the months it was active, and the individuals covered under the policy. Form 1095-A is typically issued by the Health Insurance Marketplace to those who purchase coverage through it, while 1095-B and 1095-C are provided by health insurers and applicable large employers, respectively. Accurate completion and understanding of these forms are crucial, as they help taxpayers report their health insurance status when filing their federal tax returns and ensure compliance with the Affordable Care Act provisions.

    If you obtain your health insurance through the Health Insurance Marketplace, you will typically receive your 1095 forms via mail; alternatively, you can log in to your HealthSherpa account to access these important documents. In contrast, if your insurance is provided through your employer, you will likely receive the 1095 form directly from your employer, which outlines the coverage you received during the tax year. It is essential to keep these forms for your records and to assist in the preparation of your taxes.

  • Individuals become eligible for Medicare when they turn 65 years old, although certain conditions may qualify them earlier. Specifically, individuals under 65 may qualify if they have a permanent disability, receive Social Security Disability Insurance (SSDI) for at least 24 months, or have specific conditions such as End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Eligibility can ensure access to essential healthcare services, making it crucial for individuals to understand their options and enrollment periods, which typically commence three months before their 65th birthday, the month of their birthday, and continue for three months following it.