1. So I have to have health insurance?

No but It is good to have insurance as of Jan. 1, 2020. That coverage can be supplied through your job (including COBRA or a retirement plan), public programs such as Medicare, Medicaid or the VA, or an individual policy that you purchase.

2. What is a health insurance exchange?

It’s an online marketplace where individuals and small employers can shop for insurance coverage. Enrollment began Nov. 1st 2019 for policies that will go into effect on Jan. 1st, 2020. The exchanges will also help people find out whether they are eligible for federal subsidies to help cover the cost of coverage or eligible for Medicaid, the federal-state health insurance program for the poor.

3. How does it work to shop for insurance from us?

If you decide to buy one of those plans, you will be able to enter the information and we will suggest you the preferable plans and policies. If your income makes you eligible for a tax credit subsidy, it will be applied upfront to the monthly premium payment. You won’t have to wait until you file your taxes in 2021 to get the credit. You can also fill out paper applications or apply over the phone.