Open enrollment is coming to a close, here is what you need to know about the 2018 open enrollment period.

1. What is open enrollment and when it is?

Open enrollment is the only period of time when you can add, change, or cancel your healthcare coverage. For 2018 coverage in the individual market, the enrollment period is from November 1, 2017 to December 15, 2017* and will go into effect on January 1, 2018. Because of the Affordable Care Act, you can sign up for healthcare coverage in the individual marketplace only during an open enrollment period, unless have a qualifying event during the year.

*Colorado’s open enrollment is from November 1, 2017 to January 12, 2018 with coverage taking effect on February 1, 2018.

2. What changes can you make during open enrollment?

Now is the time to renew, alter, or add healthcare plans. If a dependent graduated to their own healthcare plan in 2017, you can remove them during the 2018 enrollment period. Another example would be changing your coverage from a Bronze to a Silver healthcare plan.

3. What are qualifying events?

A qualifying event allows you to make changes to your healthcare coverage. Such events are birth or adoption of a child (dependent), marriage, becoming a United States citizen, divorce, and death.

4. What is COBRA?

Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), allows you to continue to purchase health insurance for up to 18 months due to a loss of employment or termination of employer-sponsored coverage. If you are without coverage or under COBRA, open enrollment is the only time for you to add healthcare coverage for the 2018 year.

5. Are there penalties for not having healthcare coverage?

As a result of the Affordable Care Act, you have to pay a fee if you do not have healthcare coverage in 2017, but could afford it. The fee is called the individual shared responsibility penalty and is calculated in two different ways. This fee is either 2.5% of household income or $695 per adult and $347.50 per child. Whichever is the higher of these two option, is the amount will have to pay for the months that you are not covered. The cost is calculated in your income tax return.

6. When can I sign up for an Aliera Healthcare membership?

Because Aliera is not insurance, you are able to enroll with Aliera anytime throughout the year and does not have to follow the insurance enrollment restraints.

7. Which Aliera Healthcare membership is right for you?

Individual Market

Catastrophic Care


Best suited for indivduals & families who are primarily healthy and looking to provide security to their family knowing they are covered for catastrophic hospitalization events or needs.

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Standard
Plans


Recommended for individuals & families who are primarily healthy and whose main concern is preventive services and basic medical needs, as well as coverage for a catastrophic care event or need.

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Comprehensive Plans


Designed for those who want comprehensive healthcare coverage closer to traditional insurance plans, but are seeking affordable alternatives to major medical insurance.

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Short Term Medical


Designed to cover you and your family’s healthcare expenses during a transition. InterimCare offers low cost care when you know you have infrequent medical needs, but still need peace of mind.

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Group Market

Qualified Health Plans


Comprehensive self-funded plans including preventive, episodic, and urgent care services alongside a 24/7 telemedicine feature, supported by labs, x-rays & services, where needed.

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HealthPass


In conjunction with First Health offers access to quality, affordable health care through TPA’s, carriers, health care plans and Taft-Hartley trusts. Members enrolled in our HealthPass Network plans have open access to 22 different medical specialties who meet certain cost and quality measures.

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Standard Group


This two-part offering provides the most flexible and cost effective program in the market today. Neither program is insurance, yet the programs meet the IRS standard for minimum essential coverage when offered by an employer.

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