What can I do if I don't like my Obamacare health insurance plan?

Having second thoughts?
You’re not alone. Obamacare plans are working marvelously for some people, but others are questioning whether they made the right decision.

  • Maybe you’re one of the many people who found your doctors are no longer in your plan’s network.
  • Or maybe you’re finding the price is a lot higher than you had hoped, even with a subsidy.
  • Perhaps you’re just concerned about how high your deductible and potential out-of-pocket costs are.

So what can you do?
Here’s where things get a bit tricky. Because open enrollment is over for 2014, you aren’t going to be able to change your Obamacare plan (unless you have a “qualifying event“).

Here Are Your Options if You Don’t Like Your Obamacare Plan:

1. Suck it up and keep your plan. You’ll be able to change when open enrollment for 2015 comes around in late 2014. We hope you’ll contact us then to help you pick a plan you like!
2. Drop it and go without insurance. Obviously this is risky, because if something unexpected and you need healthcare, you could wind up deep in debt, unless you’ve got $25,000 laying around to cover that appendectomy or a few nights in the hospital.
3. Consider the Nobamacare Plan. You can drop your Obamacare plan and buy a short-term health insurance plan to¬†get major medical insurance at a much cheaper price. So now the big stuff is covered. Then you can supplement that if you’d like to at a much lower price, giving you pretty robust healthcare coverage at a much lower price.

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Conclusion

While your choices are a lot more limited outside of open enrollment, at least you have options. The Obamacare plan you bought is the only option that guarantees you won’t pay a penalty as laid out in the law. But it is worth pointing out that, for most people, adding the penalty to a short-term health insurance plan still results in a lot of savings.
Whatever you decide to do for this year, rest easy knowing that you can make a different decision for 2015. We’d love to talk to you about both decisions.

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