It’s Open Enrollment and eHealth Is Open for Business
Open enrollment for 2015 health insurance plans is here, and eHealth is your best place to shop for individual and family health insurance coverage.
The Affordable Care Act’s nationwide 2015 open enrollment period began November 15, 2014 and is scheduled to continue through February 15, 2015. For some consumers, this may be your only chance to apply for premium subsidies and enroll in the major medical individual and family health insurance coverage you need for 2015.
Why should you buy from eHealth?
Here’s what eHealth offers consumers during this open enrollment period:
eHealth will enroll both subsidy-eligible consumers and non-subsidy consumers
The Affordable Care Act (ACA) makes government subsidies available to individual and family health insurance consumers earning up to 400% of the federal poverty level in 2015. During the open enrollment period, eHealth plans to enroll subsidy-eligible consumers in the majority of states, including California and the 37 states served by Healthcare.gov. We’ll also continue to enroll unsubsidized individuals and families in ACA-compliant plans available outside of government exchanges.
eHealth will offer a broad selection of 2015 health insurance plans
For the ACA’s 2015 open enrollment period, eHealth expects to offer the largest inventory of any marketplace for individual and family health insurance plans, including both on-exchange and off-exchange plans. For unsubsidized consumers, eHealth expects to have more than 3,700 non-subsidy plans from more than 100 insurance companies across the country. For subsidy-eligible consumers, eHealth expects to offer more than 3,400 health insurance plans from more than 90 insurance companies. All of these major medical plans meet ACA requirements and protect consumers from 2015 tax penalties as long as they maintain their enrollment through 2015 without a gap or three months or longer.
eHealth is easier to use than ever before
eHealth’s consumer-focused plan comparison and enrollment website provides you with the easiest way to find the individual and family health insurance plans best suited to your needs and budget, and to enroll in coverage online. Online tools and resources available to consumers through eHealth include:
- A mobile-responsive website experience and quotes by text – More and more consumers want to shop using their mobile devices and eHealth’s online health insurance shopping experience is now more responsive and optimized for mobile users. eHealth will also begin offering shoppers who call in to eHealth’s Customer Care Center the ability to ask for personalized health insurance quotes to be sent to them by text.
- The ability to look up which plans are accepted by specific doctors – Many consumers with preferred doctors and hospitals are wary of switching to plans that may require them to change providers. Based on network information provided from the insurance companies, eHealth allows you to search for plans accepted by specific primary care physicians or specialists.
- Simple, accurate, no-commitment quotes from brand-name insurance plans – eHealth does not require you to create an account before you can review personalized health insurance quotes from a broad selection of health insurance plans in your area. Since health insurance rates are regulated, consumers will never find plans sold through eHealth available for lower monthly premiums anywhere else.
- Comparison tools that make it easy to narrow down your choices – The best way to save money on health insurance is to shop from a broad selection of plans and find the best match for your needs. eHealth allows you to make detailed comparisons of up to five plans at a time. It also allows you to sort their plan choices based on doctors-in-network, monthly premium, annual deductible, coinsurance, plan type, metal level, and whether office visits are covered before or after the deductible.
- The ability to save applications in progress and return to them later – eHealth has made the process of shopping for health insurance as simple and streamlined as possible but you may still need to temporarily set aside your application. eHealth allows you to save applications in progress and return to them later without requiring you to start over again.
eHealth offers customer support and resources that make a difference
Health insurance is a complex product and many consumers find the process of selecting a health insurance plan for themselves or their family stressful and overwhelming. eHealth has always put customer support and education front and center. For the ACA’s 2015 nationwide open enrollment period, eHealth is offering you support and education in the following ways:
- Access to licensed health insurance agents – During open enrollment, eHealth’s licensed health insurance agents and knowledgeable representatives will be available to answer questions and help you by telephone, email, and online chat.
- eHealth’s Customer Resource Center – Providing health insurance consumers with access to dozens of educational videos, articles on a broad variety of health insurance topics, and more, eHealth’s Customer Resource Center is designed to help you better understand your options.
- The eHealth Subsidy Help Center – Consumers who received government subsidies in 2014 may not automatically continue receiving subsidies in 2015, and persons newly eligible for subsidies in 2015 should understand how subsidies work. eHealth’s Subsidy Help Center addresses your subsidy questions and concerns for 2015.
- Dozens of easy-to-understand educational videos – Through eHealth’s YouTube channel, you can find new video playlists offering tips for health insurance shoppers, help and insight for subsidy-eligible shoppers, advice on what to do when your old plan is being cancelled, and more.
- Free health insurance shopping eBook – eHealth’s eBook “3 Steps to Understanding the Affordble Care Act” is available for free and specially designed to help you understand the health reform law and how to buy individual or family health insurance for 2015.