Health and Dental Insurance for Individuals and Families

We collaborate with our clients to find health insurance and dental insurance policies that align with their unique needs. By evaluating various insurance carriers and options, we provide independent and objective recommendations, especially during open enrollment and special enrollment periods.

The Affordable Care Act, enacted in March 2010, mandates that all individuals secure compliant health insurance. Individuals can purchase insurance policies both on and off the exchange. We assist our clients in obtaining their health insurance and dental insurance policies, helping them to calculate any applicable tax credits and tax subsidies. Additionally, we guide them through the open enrollment and special enrollment periods.

The annual open enrollment period for health insurance runs from November 1st to December 15th. During this time, individuals can enroll in various insurance policies to secure health insurance coverage for the upcoming year. Coverage will take effect on January 1st. If you miss the open enrollment period, you might still have the opportunity to enroll if you qualify for a special enrollment period. Additionally, dental insurance can be purchased year-round.

Individuals who experience a qualifying event during the year may qualify for a special enrollment period for health insurance. These special enrollment periods allow individuals to enroll in insurance policies, including dental insurance, outside of the standard open enrollment timeframe. Examples of qualifying events include marriage, divorce, the birth or adoption of a child, a permanent move, and involuntary loss of coverage.

There are also non-traditional insurance options available, including certain insurance policies that do not comply with the Affordable Care Act. These alternatives typically offer lower premiums compared to full coverage health insurance policies. Examples of these options include temporary plans, accident coverage, and critical illness policies, which can often be considered during open enrollment or special enrollment periods.

Contact us for assistance with your dental and health insurance needs. We provide expert advice and guidance on various insurance policies, including information about open enrollment and special enrollment options.