Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Under the affordable care act, you can change to another health insurance plan during the open enrollment period each year. If you're outside the open enrollment period and want to switch plans, you would need to qualify for a special enrollment period (also referred to as a qualifying life-changing event).
Since a carrier can no longer decline you for a pre-existing condition, health insurance plans are, in short, guaranteed-issue.
However, changing plans may not necessarily be in your best interest. Be sure to do an in-depth comparison of your existing plans and the proposed new plans you're looking at to see which is truly better/more advantageous for your own situation - premiums, coinsurance, copayments, deductibles, out-of-pocket maximums, networks (HMO vs. PPO vs. POS) and other factors should be taken into account. An experienced health insurance broker can help you with this review.
Please feel free to contact me for further assistance. Thanks very much.
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Since a carrier can no longer decline you for a pre-existing condition, health insurance plans are, in short, guaranteed-issue.
However, changing plans may not necessarily be in your best interest. Be sure to do an in-depth comparison of your existing plans and the proposed new plans you're looking at to see which is truly better/more advantageous for your own situation - premiums, coinsurance, copayments, deductibles, out-of-pocket maximums, networks (HMO vs. PPO vs. POS) and other factors should be taken into account. An experienced health insurance broker can help you with this review.
Please feel free to contact me for further assistance. Thanks very much.