Choosing a health insurance plan with Marsh & McLennan, you have the support and information you need to help make the right decision for you and your family. With all the changes that Health Care Reform has brought forth, now is the time to rely on us to help you understand your options.

Health insurance doesn't have to be complicated. Start by shopping for Individual Health Plans. If you need assistance in determining which coverage is right for you, we're here to help, and there is no cost to you for our services.

Top 6 Things To Know About Health Care Reform

Guarantee Issue & Pre-Existing Conditions

Insurance companies will be required to offer coverage to any applicant, regardless of health. Companies can no longer charge you more due to a pre-existing condition or exclude coverage for those conditions from their plans.

Individual Mandate

Individuals will be required to maintain health insurance or pay a penalty. It's possible to be exempt from having to maintain coverage such as those who may qualify due to a financial hardship.


Enrollment Periods

The first day of open enrollment in a 2017 Marketplace plan is November 1, 2016, with coverage starting January 1, 2017. If you miss the enrollment period for 2017, you may be able to qualify for a SPECIAL ENROLLMENT PERIOD.

Health Insurance Markeplace

Also known as Exchanges, the Health Insurance Marketplace creates a competitive market for buying health insurance. Plans will be categorized into 5 groups based off of their actuarial value: Platinum, Gold, Silver, Bronze, and Catastrophic.


Subsidies were designed to help make health insurance more affordable. There will be two types of subsidies: one will help cover a portion of the monthly premium and the other will help reduce out of pocket expenses for care. Individuals must meet ELIGIBILITY REQUIREMENTS to qualify for subsidies.

Preventative Care

Health Care Reform does a lot to increase access to preventive care services and encourage consumers to use them. Any new plans offered by an insurer are required to offer a range of preventive services and cover them at 100% with no cost share to the consumer.

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The fee for not having coverage in 2016

If you don't have coverage in 2016, you'll pay the higher of these two amounts:

  • 2.5% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,150 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a Bronze plan.
  • $695 per person for the year ($347.50 per child under 18). The maximum penalty per family using this method is $2,085.
Important dates for 2017 enrollment
  • November 1, 2016: Open Enrollment starts - first day you can enroll in a 2017 Marketplace plan
  • January 1, 2017: First date 2017 coverage can start
  • January 31, 2017: 2017 Open Enrollment ends

If you don't enroll in a 2017 plan by January 31, 2017, you can't enroll in a health insurance plan for 2017 unless you qualify for a Special Enrollment Period.

Life events that may qualify you for a Special Enrollment Period:
  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care
  • Losing other health coverage
  • Moving to a new residence
  • Gaining citizenship or lawful presence in the U.S.
  • Leaving incarceration
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions

*Note: Voluntarily quitting a Marketplace plan mid-year doesn't qualify you for a Special Enrollment Period.

Subsidies Range

To learn if you qualify for lower costs on health insurance coverage, find your estimated 2015 household income and household size on the chart below.

Chart of subsidies ranges

Image Credit: Healthcare.gov

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