Individual Health Insurance Louisiana
Open Enrollment for 2022 Health Insurance is Closed
To enroll under expanded Medicaid for Louisiana please call 800-327-3419
We offer Individual health insurance in the New Orleans and Metairie area, as well as any part of Louisiana.
TWFG Landeche Insurance is well aware that you value your health. Whether you are covering your whole family or just yourself, you need a Landeche insurance agent to personalize the policy to your specific needs. Under our Individual Health Insurance policy we offer:
- Major Medical Individual Insurance: insurance policy that covers more cost
- Short Term Medical if you missed open enrollment or the cost is higher then you can afford.
The dates for the 2023 Open Enrollment for individual health insurance are November 1, 2022 and ends on January 15, 2023. However, there are some exceptions that would allow you to get coverage outside of the Open Enrollment dates, such as having a new baby; losing group health insurance coverage at work; moving to an area outside of your current service area; as well as many others.
The tax penalty will not be enforced. As of Jan. 1, 2019, that means if you don’t have health insurance in 2023, you won’t owe a tax penalty when you file your 2023 taxes in 2024. That said, if you go without any insurance, you will be paying for healthcare out of pocket. If you can not afford health insurance because you don’t qualify for a subsidy a Short Term Medical might be a good fit.
You may also be able to qualify for a Government Subsidy to help pay for your health insurance. The amount you can get depends on your family size and income. Contact us and we would be happy to check to see if you are eligible for a subsidy and provide you with an estimate on how much that subsidy might be.
If you cannot get a government subsidy and can’t afford health insurance for you and your family you may be able to enroll in Medicaid.
If you receive a government subsidy you will receive a 1095-A form at the end of the year. You will be required to use form 1095-A to reconcile your premium tax credit. If your income was higher then your estimate when your application was completed, you may have to pay some of your subsidy back. But if you made less then your estimate you will get the credit on your tax return. It is very important to file the form 1095-A. Because if you don’t file form 1095-A you can lose the tax credit for the next plan year.
Insurance companies cannot refuse coverage for pre-existing conditions. They also cannot charge you more for health problems. You can get Individual Health Insurance now even if you were refused in the past because of health problems. It would be first day coverage so if you get an effective date of 1/1/2023 the plan would pay for your medical needs even if you have been or being treated for a health problem.
All plans have to cover 10 basic Essential Health Benefits but not all plans will be the same.
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Emergency Services ( Individual health Insurance companies can’t charge you more if you are out-of-network)
- Hospitalization ( Example surgery and overnight stays)
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs (Every individual health insurance company has a drug formulary. If you take a certain medication check before you purchase a plan)
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
Some plans will offer more benefits so it is important that you talk with an independent insurance agent about all of your choices.
Life Time Limit for Individual Health Insurance
Insurance companies can no longer set a dollar limit on what they spend on essential health benefits. Before the Affordable Care Act (ACA) health plans set a lifetime limit what they would spend for your covered benefits during the entire time you were enrolled in that plan. You were required to pay the cost of all care exceeding those limits.
Annual Limits for Individual Health Insurance
Insurance companies can not longer set a dollar amount for annual limits. Before the Affordable Care Act (ACA) health plans set a dollar amount they would spend in a year. You were required to pay the cost of all care exceeding those limits. But keep in mind, plans can put an annual dollar limit and a lifetime dollar limit on spending for health care services that are not considered essential health benefits.
Please let me know if you have questions about our health insurance providers or need a health insurance quote. Call us at 504-228-7184.
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Why you should sign up with us:
1. Help with any problems with the health market place. (You will need to call them once to authorize us to speak on your behalf.)
2. Fill out appeal forms and help you with the whole process if an appeal is needed, a process that is very time consuming
3. upload any documents the health market place is requesting.
4. We will address any other problems you may have in the year.