Now that the holidays are over and the New Year has begun, you may find yourself wondering if you missed your chance to acquire health coverage for 2015. Good news! There is still plenty of time to apply. Although December 15th was the application deadline for coverage beginning January 1st, Open Enrollment is still ongoing and will be until mid-February.
If you are applying for a government subsidy through the healthcare Marketplace, you can still get coverage beginning February 1st as long as you complete your application by the 15th of January. Also, if you are NOT applying for a federal subsidy, you can be in a Blue Cross Blue Shield individual health plan as early as January 15th, provided you complete your application by midnight January 8th.
Don’t forget: Under the Affordable Care Act, you are required to carry health insurance or incur a tax penalty and the penalty is increasing. For 2015, the penalty is 2% of your yearly household income or $325 per person and $162.50 for each child. In order to avoid paying a tax penalty, the federal government has mandated you cannot go more than a three month period without health insurance and that’s where Blue Cross Blue Shield of North Carolina can help. Not only will a BCBSNC health plan save you from incurring this tax penalty in 2015, it will also give you the peace of mind that comes from knowing you and your family are covered in times of sickness and health.
Whether you are applying for a federal subsidy or not, Blue Cross Blue Shield of NC has a health plan that will fit not only your family’s health care needs, but also your budget. Don’t miss your opportunity to apply. The New Year has begun, but there is still time to complete an application for health insurance before Open Enrollment 2015 comes to a close.
For more information on Blue Cross Blue Shield of North Carolina health insurance coverage, the Marketplace and healthcare gov to apply for your subsidy, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents. Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.