Welcome to Niehls Insurance Group
We are your local ACA (Obamacare) Experts.
2015 Open Enrollment Update - Very Important!
The upcoming open enrollment season is going to present health insurance shoppers with a tremendous amount of options, changes, and confusion. At Niehls Insurance Group we have been preparing for months to help guide you through this complicated process. Here are some key points for consumers to understand:
If your current plan started prior to December 2013 then you have a pre-ACA plans. Many states and carriers are now allowing consumers to keep these plans through 2016. To help determine if that is the right decision for you, please give us a call. Some Pre-ACA plans are ending on December 31, 2014 so if you have a Pre-ACA you should call us immediately.
ACA plans with no subsidy
If your policy started on January 1st, 2014 or later then you have an ACA compliant plan. If you have an ACA compliant plan, if you are happy with it, and you are not receiving a subsidy then you can keep your plan and don't need to take any action. You may choose to take a look if there is a cheaper plan for 2015 but you don't have to do anything in order to keep what you have.
ACA plans who receive a subsidy
If your policy started on January 1st, 2014 or later and you are receiving a subsidy you should give us a call to review your current plan. There are many factors that could impact your coverage or your subsidy. We want to help guide you through this review to make sure you are getting the best available plan on the market. Even if you are happy and don't want to change - please give us a call.