There are several changes that are coming next year under the Affordable Care Act for Missouri residents. If you understand what those changes are and what they mean for you, enrolling in your ACA health insurance plan will be easy.
The ACA Is Determined at a County Level
First, it’s important to understand that the Affordable Care Act and the availability of its policies are determined by the county by which you live. My company, MBhealth Insurance Agency, is in Affton, Missouri, in the St. Louis counties. This means that I’ll be more well-versed in those counties. I may write of something here in St. Louis County that’s not available in another location.
Each County Has Its Own ACA Changes
Each county will have its own options for 2023. It’s important for you to be aware of what those changes are and see what they will mean to you for the coming year. That’s what’s most important. Now that 2022 is virtually over, you need to assess what the year has been like for you, then look ahead to predict if you’ll have any significant changes in your life like:
- Changes in health
- Having a child
- Getting married
There are various issues that you need to consider as you prepare for the ACA enrollment period. The changes in your life from one year to the next can be very dynamic, so it’s important to think with those when looking for health insurance.
Your ACA Plan Changes Each Year
Even if you don’t change your ACA plan, the benefits or other aspects of your insurance that made it a good choice for you last year can (and do) change. The insurance companies change almost everything about your plan’s terms for their own benefit, including the:
- Pricing
- Deductibles
- Copays
- Doctor networks
This is why it’s important to look at your plan’s terms each year. In fact, a new insurance option may even come into the marketplace on January 1st. You need to be aware of that because something new may come along that works better for your needs.
Contact MBhealth for Assistance with ACA Enrollment
You can certainly go to www.healthcare.gov to look at the different insurance options and try to pick your own. However, it’s overly complicated to navigate. I would encourage you to contact an agency such as mine to sit down and talk about your options.
Our consultants at MBhealth understand all those different insurance options, and we can discuss those with you once we understand what you need from your health insurance. If that sounds like something you need help with, reach out to us today. You can call or text us at (314) 544-5400, or visit our contact page to get in touch with us, and we’ll be happy to help you get the most out of your ACA plan.
