Open Enrollment Information

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Open Enrollment takes place from November through December. As always, the Grimard Insurance Group will be in the office for extended hours through open enrollment.

OPEN ENROLLMENT QUESTION AND ANSWER

Q.  Will my premium increase?

A.  The Affordable Care Act requires carriers to accept all applicants, regardless of their health status.  Because of this and newly mandated coverage such as Maternity benefits and wellness coverage, the Affordable Care Act in many cases, the premium has increased.
 

Q.  Will I qualify for a government subsidy?
A.  Some families and individuals may be eligible for financial assistance by way of a subsidy.  Certain steps during the application process are required to receive this benefit.  We will help you determine if you qualify and also assist in the application process.  
 

Q.  Will my current pre-existing health conditions be covered?
A.   Yes - If you are currently on the correct plan. IMPORTANT:  If you have a pre-existing condition, contact me and I will make sure you are covered correctly.

Q.   What benefit do I get from going to a broker?
 A.  The policies are the same cost; at a minimum, you have the same premium with superior support. As brokers, we have the availability of more products as one of the largest agencies in New Hampshire.  

Q.  Is there any benefit for me to go directly to the Marketplace?
 A.   It is important to look at every option for the most affordable solution. We can look at subsidy qualification and network coverage, as well as provide recommendations. These representatives are not licensed and cannot give advice.

Q.   Can I enroll in coverage if I experience a“Qualifying Life Event”?
 A.  You will be able to enroll within 60 days of a qualifying life event. These events include:   

  •  Divorce or Legal Separation
  • Change in full-time employment 
  • Loss insurance 
  • Death of a parent or spouse 
  • Change in Dependent Status  
  • Existing coverage being changed  
  • Marriage
  • Birth or Adoption
  • Moving to a new state 


 Q.  Will my current pre-existing health conditions be covered?
 A.  Yes - If you are currently on the correct plan. IMPORTANT: If you have a pre-existing condition, contact us and we will make sure you are covered correctly.

EXTERNAL RESOURCES