Скачать с ютуб 5 Mistakes to Avoid During Open Enrollment 2023 в хорошем качестве

5 Mistakes to Avoid During Open Enrollment 2023

5 Mistakes to Avoid During Open Enrollment 2023 - If you are currently self employed or unemployed, you may be interested in pursuing a Marketplace Insurance Plan. Call us today at iHealthBrokers at 888-410-0344. Our services are 100% FREE! ★☆★ABOUT THIS VIDEO★☆★ 0:00 Intro 0:54 Inaccurate Estimation 2:54 HSAs & HDHPs 4:47 Fringe Benefits 6:15 Picking the Cheapest Plan 8:33 Procrastinating 9:50 Bonus! 10:51 Final Thoughts When you apply for a marketplace plan, healthcare.gov will ask you several questions. One of which is to estimate your income for the upcoming year. This can be a challenge for many people, especially freelancers and those who are self employed. When you receive a regular salary, it can be easier to estimate. Perhaps there are bonuses, commissions or a raise to take into account, but you may be able to come up with a ballpark estimate. This can be much harder if you are a gig worker or a small business owner. Your eligibility for premium tax credits which are the discounts on your monthly premium is determined by your household size and income. If you overestimate your income, you’ll likely be eligible for a larger tax refund when you file. However, if you underestimate your income, you’ll likely have to pay that premium tax credit back when you file. It’s easy to see why HSAs are so appealing. However, they are only available with high deductible health plans. This is not, in and of itself, a bad thing. However, remember, HDHPs are not for everyone. As the name indicates, HDHPs have very high deductibles. For someone with more extensive medical needs or perhaps younger children, these plans may not be ideal. As great as HSAs can be, it’s still a mistake to prioritize having an HSA over adequate coverage. This is slightly related to our next of the top five mistakes. It’s very important to keep your priorities straight and not be lured in by the promise of fringe benefits. All ACA plans must offer the 10 essential benefits. However, plans can choose to offer additional benefits. When comparing health insurance there are so many plans that at first glance seem so similar. So it can be easy to be lured in with fringe benefits, for example dental or vision coverage. Another very common mistake is picking the “cheapest” plan by looking at the premium only. There are several financial factors to take into consideration: Premium Deductible Copays/Coinsurance OOP Max Many people procrastinate on unpleasant or stressful tasks. Additionally open enrollment is during the often very busy holiday season. It can be amazing how time slips by, leaving people scrambling to make a decision at the tail end of enrollment. Do not let this happen to you! You want to leave yourself time to confirm if the doctors and hospitals you need to use are in network. Also, it’s just not a wise idea to make such an important decision hastily. And if you do decide to work with an agent or broker, the longer you wait, the more difficult it may be to get an appointment. Many people have found themselves having to hastily make a very important healthcare decision and are left with a year of major regrets. If you select a plan with inadequate coverage and end up with large medical bills, there could be severe and long lasting results. Please plan ahead and make an appointment with a trusted broker. You will not pay more. Although some brokers do charge a fee for their services, many do not. So, you can often get expert assistance with absolutely no charge to you. Give us a call at (888) 410-0344 or visit us online at https://ihealthbrokers.com/ 👇SUBSCRIBE TO iHealthBroker's CHANNEL NOW👇    / @ihealthbrokers   INFLATION REDUCTION ACT    • BREAKING NEWS! Inflation Reduction Ac...   CHECK OUT OUR OTHER VIDEOS I've Lost My Health Insurance! What Do I DO?    • Unemployment and Health Insurance:  I...   All About COBRA    • COBRA HEALTH INSURANCE EXPLAINED: I L...   HSA & HDHP    • Health Savings Accounts & High Deduct...   Calculating Your MAGI    • How to Calculate MAGI (Modified Adjus...   =================================== Estimating Your Income https://www.healthcare.gov/income-and... =================================== ★☆★CHECK US OUT ★☆★ WEBSITE: https://ihealthbrokers.com/ PHONE NUMBER: (888) 410-0344 F A C E B O O K:   / ihealthbrokers   =================================== Give us a call or leave a comment below and we'll do our best to help! Make sure to "Like" and "Subscribe" today!