2022 Open Enrollment period to purchase individual health insurance runs from Nov 1 – Dec 15!
If you don’t act by December 15, you can’t get 2022 coverage unless you qualify for a Special Enrollment Period. Plans sold during Open Enrollment start January 1, 2022.
Are you ready? No Worries, We’re Ready!
Individual and Family Open Enrollment
**Do you need help paying for your premium? Ask us if you qualify for a subsidy.
Federal Poverty Level (FPL)
A measure of income issued every year by the Department of Health and Human Services (HHS). Federal poverty levels are used to determine your eligibility for certain programs and benefits, including savings on Marketplace health insurance, and Medicaid and CHIP coverage.
The 2021 federal poverty level (FPL) income numbers below are used to calculate eligibility for Medicaid and the Children's Health Insurance Program (CHIP). 2020 numbers are slightly lower, and are used to calculate savings on Marketplace insurance plans for 2021.
- $12,880 for individuals
- $17,420 for a family of 2
- $21,960 for a family of 3
- $26,500 for a family of 4
- $31,040 for a family of 5
- $35,580 for a family of 6
- $40,120 for a family of 7
- $44,660 for a family of 8
Federal Poverty Level amounts are higher in Alaska and Hawaii. See all HHS poverty guidelines for 2021.
How federal poverty levels are used to determine eligibility for reduced-cost health coverage
- Income above 400% FPL: If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a 2021 Marketplace health insurance plan.
- Income between 100% and 400% FPL: If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.
- Income below 138% FPL: If your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income.
- Income below 100% FPL: If your income falls below 100% FPL, you probably won’t qualify for savings on a Marketplace health insurance plan or for income-based Medicaid.
- Income levels that qualify for savings
- Federal poverty levels for previous years
- How income is counted for health coverage savings
- How to find out if you qualify for Medicaid & CHIP coverage
If you go to healthcare.gov and start an application be sure and enter the broker you are working with: We are a FREE service to you, and working with us is in your best interest. We will be an advocate for you and working with us doesn’t increase your premium.
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Are you an Employer?
Ask about the Holiday Special
If you have under 50 Employees and haven’t offered coverage before, and want to offer group benefits, but wonder how you can afford it or get the employees to participate, no worries!
If you have as few as 1 to 2 employees it’s okay, as long as you have one 1099 or one W2.
Small Group with only 1 or 2 persons or Husband/Wife Group?
How do I get a proposal to see if I can afford it?
Contact us and Click below to submit a questionnaire
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