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Open Enrollment Changes for 2019: What You Need to Know

On a chilly Washington D.C. evening in December 2017, legislators met to decide the fate of millions of Americans. The mantra “repeal and replace” reverberated across the country since the earliest days of the Trump presidency. And now, folks from both sides of the aisle still had no idea what was about to happen…

Fast forward to present day and the outcome of the lawmaker’s decision that day in December didn’t actually “repeal” or “replace” much of anything. And while the total number of insurers in Texas fell from 10 to 8, not much has drastically changed for Lubbock and neighboring counties versus last year.

Here’s what you need to know for 2019 open enrollment:

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Open Enrollment 2018 and the Future of Health Insurance

No one, not Congress, the president or even your insurance agent knows definitively what will happen to health insurance. However, this much we know, the Affordable Care Act was not repealed for 2018. After several attempts, it is still the law, although it has changed significantly.

What happens next? How will open enrollment affect Texans and Lubbock residents? What does a death spiral of the health insurance marketplace look like? These are all questions we hope to answer in a moment of severe uncertainty in America.

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Free Market Insurance Reform

The following is an outline for free market insurance reform, written by Ron Hettler, an insurance broker that understands the health insurance marketplace, problems with the Affordable Care Act and possible solutions.

Areas for Free Market Insurance Reform include Insurance, Medical Providers, Share Responsibility Penalty, Tax Credit Transition and Networks.

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The Spookiest Halloween Insurance Claims

Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

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Will Health Insurance Improve or Get Worse Under Clinton?

Has there been a more politically divisive time in American history? Well, there was the Civil War. But otherwise, things are pretty grim in the world of Democrats vs. Republicans. So when we speculate about whether the insurance situation can improve under a Hillary Clinton presidency, we have to consider her friction with a Republican Congress.

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5 Ways to Stay Healthy Outdoors in Lubbock

Lubbock is a city of wide-open spaces and believe it or not, there are a variety of outdoor options to stay healthy. Don’t rely completely on health insurance, get some much needed exercise! Whether you prefer exercising on wheels, motors, or sturdy shoes, you can find an outdoor outlet in the Hub City. The plethora of gyms and activity centers can also give shelter in foul weather.

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Saving on Health Insurance Premiums

News of rising health insurance premiums has alarmed Texans as well as citizens of other states. In July, the New York Times announced that insurance companies were petitioning the federal government to approve rate increases of 20 to 40 percent and even higher. In Minnesota, for instance, Blue Cross and Blue Shield sought to raise premiums an astonishing 54 percent.

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Avoid ACR & Save on Group Health Plans for 2016

As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016, employers with 51 to 100 employees will also be subject to ACR. Let’s look at ACR basics and some possible ways to navigate this potentially costly development.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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