The open enrollment period is a window of time where you can purchase your health insurance plan, modify, or cancel it. The 2022 Open Enrollment period was in effect from November 1st, 2021, to January 15th, 2022.

If you’re in an unfortunate situation and cannot afford to pay for insurance, a suitable option is to go for a short-term health insurance plan. [6 months]

You have the flexibility to choose any temporary term plan ranging from a month to a maximum of three years. Fortunately, the premiums are lower than individual ACA plans.

We work as a healthcare insurance broker, connecting you with the top insurance providers in the area. The process is simple; plug in your ZIP code and fill out your personal information on an online form. We’ll find you quotes from lenders across the State in a short time according to your specific needs.

Medicare plans do have coverage for dental and vision, but they are limited in nature. A stand-alone dental plan is needed if you want more comprehensive dental coverage. These plans are sold by private insurance companies and have a separate premium, which is, in many cases, low ranging from $28 to $60.

Comprehensive dental coverage may cover periodontics, orthodontics, and prosthodontics services.

Unless you stop paying the specific premium price for the supplemental plan, it will always be renewable.

Supplement plans provide additional insurance to pay for out-of-pocket costs and expenses not covered by the usual plan. Here are some of the popular supplemental plans:

• Medigap
• Dental 
• Vision
• Pediatric services
• Critical illness

Medicaid is a national program especially for low-income individuals, regulated by the State and federal governments. However, there are stringent requirements to qualify for a Medicaid program.

The metal tier of your plan usually determines the cost of the healthcare. The structure is as follows:

• Bronze: The company bears 60% of the healthcare cost
• Silver: The company bears 70% of the healthcare cost
• Gold: The company bears 80% of the total healthcare cost
• Platinum: The company bears 90% of the total healthcare cost

Similarly, the premiums also depend on the tier, with bronze having the least and platinum having the highest.

On the other hand, Medicare plans have a fixed cost for Part A and Part B. As of 2022, Part A is free, while the standard Part B premium is $170.10.

The metal tiers include bronze, silver, gold, and platinum. The healthcare plans are classified within these metal tiers, which differ in Out-of-Pocket maximum, deductibles, and premiums.

For example, a bronze tier plan usually has the lowest premiums but has high deductibles and out-of-pocket costs. Therefore, you can access healthcare once you meet the initial deductibles. Similarly, a gold or platinum plan has the highest premium but usually has low deductibles and out-of-pocket costs.