Health Insurance in West Virginia
ACA health insurance in West Virginia operates in a somewhat unique way; residents use the federal platform to find and purchase plans, but the state has primary oversight over the plans that they find.
Health insurance in West Virginia is rapidly changing, but Apollo is keeping up. Read on to learn the basics of West Virginian health insurance.
Quick Facts about Health Insurance in West Virginia
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West Virginia uses the federal Marketplace as its ACA exchange, with state oversight.
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Open Enrollment for On-Exchange plans in West Virginia will run from November 1, 2022 – December 15, 2022.
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Apollo Insurance Group can help sign-up for plans with 10 different carriers.
When to Enroll in West Virginia Health Insurance
The right time to enroll in health insurance in West Virginia depends on the type of health insurance that you want to enroll in. West Virginia health insurance falls into two buckets: On-Exchange (Affordable Care Act / Obamacare insurance) and Off-Exchange (Other plans that do not follow the ACA regulations).
Most people can only enroll in an On-Exchange plan during the Open Enrollment period. For 2023 plans, Open Enrollment will be from November 1 – December 15, 2022. To enroll outside of the Open Enrollment period, you must have a qualifying life event.
There are no laws in West Virginia regulating when you can or cannot sign up for an Off-Exchange plan. Private carriers can, of course, impose their own rules about when someone may sign up for coverage. Generally speaking, though, you can sign up for Off-Exchange plans at any time of the year.
How to Enroll in West Virginia Health Insurance
To enroll in a health insurance plan in West Virginia, contact us now. We will work with you to find the best plan for your budget and needs.
Health Insurance in the United States is a complicated beast, and West Virginia is no exception. Let one of the experts at Apollo Insurance Group guide you.
This is just a brief overview of health insurance in West Virginia and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.
That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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Apollo Insurance Group works hard to find the best providers of reliable health insurance in Indiana. Indiana uses the federal Marketplace for Affordable Care Act insurance plans, but Indianans also have the option to enroll directly with carriers. However, this is not recommended; only plans enrolled through the Marketplace are eligible for subsidies and cost-sharing reductions, both of which can substantially lower the costs associated with insurance.
Health insurance in Indiana is rapidly changing, but Apollo is keeping up. The basics of Indiana health insurance are below.
Quick Facts about Health Insurance in Indiana
- Indiana uses the federal Marketplace as its ACA Exchange
- Open Enrollment for On-Exchange plans will be from November 1, 2022 – January 31, 2023.
- Off-Exchange plans
- Apollo Insurance Group can help broker plans from 12 different carriers.
When to Enroll in Indiana Health Insurance
Enrollment timing for health insurance in Indiana depends on the type of insurance you are enrolling in. For On-Exchange/ACA/Obamacare plans, most people have to enroll during Open Enrollment. Open Enrollment is the time of year that everyone is free to openly change their health insurance plan. OE for 2023 will run from November 1, 2022 – December 15, 2022. To enroll in a plan outside of OE, you need a qualifying life event – one of a handful of events that could drastically change your healthcare needs. To see a full list of qualifying life events, click here.
Off-Exchange plans can be purchased at any time. There are some exceptions, but most Off-Exchange plans have year-round enrollment.
How to Enroll in Indiana Health Insurance
To enroll in a health insurance plan in Indiana, contact us now. We will work with you to find the best plan for your budget and needs.
Health insurance in the United States is a complicated beast, and Indiana is no exception. Let one of the experts at Apollo Insurance Group guide you.
This is just a brief overview of health insurance in Indiana and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.
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