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Don't worry if you did not get your insurance in place for January 1.  This year you have until March 31st to make your individual or family health insurance decision on your new Individual or Family Health Insurance plan.  A couple of things you may want to consider include:

--  Once open enrollment is complete you will have to have a qualifying event in order to make plan changes. 
--  In order to get the first of the month for the next month your application and down-payment has to be in by the 15th.  (for example for February 1 you must have applied and submitted            payment by January 15th)
--  In order to qualify for Premium Tax Credits you must apply through the exchange.  (This can be done with the assistance of your agent if they are certified with the exchange)
--  You can no-longer be declined or rated up due to pre-existing conditions.

To learn more about your options for Health Insurance call or contact the Garsys Agency today at 800-749-0053 or visit our website at www.garsysagency.com.  


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