Open Enrollment for 2023 While the open enrollment period for 2023 health insurance has closed, TWFG Landeche Insurance offers various options for those in New Orleans, Metairie, and across Louisiana. If you've missed open enrollment, don't worry—options like expanded Medicaid and Short Term Medical insurance are available to ensure you're covered.

Expanded Medicaid Access in Louisiana For expanded Medicaid enrollment in Louisiana, please contact us at 800-327-3419. Medicaid provides essential coverage for children in all states and offers benefits to adults in certain states.

Major Medical and Short Term Medical Insurance We provide Major Medical insurance, which covers a substantial portion of medical costs, and Short Term Medical insurance for those who need temporary coverage or find standard health insurance unaffordable.

Key Dates and Exceptions The open enrollment period for 2023 ran from November 1, 2022, to January 15, 2023. However, life events such as having a new baby, losing group health coverage, or relocating can qualify you for coverage outside these dates.

No Tax Penalty but Potential Costs As of January 1, 2019, there is no tax penalty for not having health insurance. However, going without coverage means paying for healthcare expenses out of pocket. A Government Subsidy might help offset costs for those who qualify based on family size and income.

Government Subsidies and Tax Credits If eligible for a government subsidy, you can reduce your insurance costs. It's important to reconcile your income annually with form 1095-A to adjust your premium tax credit accurately.

Pre-existing Conditions Coverage Under current laws, insurance companies cannot refuse coverage or charge more for pre-existing conditions. Coverage starts immediately from the effective date of your policy, including for ongoing health issues.

Essential Health Benefits All individual health insurance plans in Louisiana must cover ten essential health benefits, including:

• Ambulatory patient services

• Emergency services

• Hospitalization

• Pregnancy, maternity, and newborn care

• Mental health and substance use disorder services

• Prescription drugs

• Rehabilitative and habilitative services and devices

• Laboratory services

• Preventive and wellness services and chronic disease management

• Pediatric services, including oral and vision care

Annual and Lifetime Limits Post-Affordable Care Act (ACA), there are no annual or lifetime dollar limits on essential health benefits. However, limits may apply to non-essential benefits.

Choosing the Right Plan With various coverage options and benefits, speaking with an independent insurance agent is crucial to navigate your choices and ensure you select the best plan for your needs.

Contact Us for a Quote If you have any questions or need a quote for individual health insurance in Louisiana, call TWFG Landeche Insurance at 504-228-7184. Our expert agents are ready to assist you with personalized policy options to meet your health coverage needs.