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Top 7 Health Insurance Questions During Open Enrollment

‘Tis the SEASON…for Open Enrollment!

With all of the hustle and bustle of the season, we wanted to make sure that you take a moment to give yourself and your family the gift of peace of mind this year by taking advantage of the open enrollment period for health insurance. 

And because we know your schedule is filled to the brim with all things merry and bright, we’ve made it simple to find the answers to all of the most common open-enrollment questions right here.


1. So, what is Open Enrollment? And why does it matter to me?

Every fall, Open Enrollment is when people can sign up for, make changes to, or cancel health insurance plans for the next calendar year. For example, if you enroll in a plan today, you’ll begin your 2023 health insurance coverage on January 1st. 

Click here to read more about the ins and outs of open enrollment and how it applies to your unique situation. 


2. I’m not an insurance salesman. Any way you could use words for normal humans?

Here at Optimized Health Plans, we are determined to take the confusion out of health insurance. Our quick and easy health insurance terminology guide will teach you exactly what you need to know to ensure that your insurance meets your needs as perfectly and painlessly as possible.


3. Okay, that helped with the basics, but now what about all of these health insurance plan acronyms? Help!

HMO, POS, PPO, EPO, HDHP w/ HSA . . . 

Yes, there are a lot of different health insurance plan types out there, and it can be confusing to know what they all mean. We’re here to help so here’s a quick rundown of some of the most common types of plans.


4. What about a Health Savings Account? Is that a good option for me?

An HSA (health savings account) is an account dedicated to medical expenses. These accounts offer long-term savings options that compound over time. The savings you contribute to your account each month can be put towards a variety of expenses, such as co-pay, dental and orthodontic work, and even health care-related travel. 

Not everything is eligible, however, so here are some pros and cons to consider before setting up an account.


5. I just overheard someone talking about ACA Health Insurance Subsidies. Is that something I should know about?

No matter your income, paying for health insurance shouldn’t be impossible. The Affordable Care Act (ACA) helps provide insurance to people in lower- to middle-income households.

Curious about how they work, if you qualify, or how to apply? Click here.


6. So, be honest with me. Can I handle open enrollment on my own, or do I need an insurance agent? 

Plenty of people enjoy a good DIY, but in an open insurance market abundant with a variety of plans, choosing the right health plan can be stressful and complicated.

But it doesn’t have to be.

With a trusted insurance agent by your side, you can rest easy knowing that your health coverage needs will be perfectly tailored by a professional just for you.

See how booking an appointment with an OHP agent can save you time, worry, and money toward your insurance plan.


7. I’m considering it, but if I do go with an agent, I have a few more questions . . . 

  • Will my family or business have to pay additional costs for a health insurance agent’s services?
  • Will there be a bill from the agent every month in addition to my insurance costs?
  • Are there any hidden fees or commissions that add cost to my monthly insurance bill?
  • Will an agent try to push me toward an insurance carrier who will pay them more money?
  • How do health insurance agents get paid?

Great questions! We tear down the wall of mystery and cover that in the article How do Health Insurance Agents Get Paid. Check it out.

Well, there you have it. Answers to the most common questions we get about open enrollment season, but if you still have questions or concerns, or if you’re excited to meet one of our amazing agents, give us a ring! We’ll be jolly glad to help!