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Home > Blog > 2019 Health Insurance Market Conditions
FRIDAY, MARCH 29, 2019

2019 Health Insurance Market Conditions

2019 Health Insurance Market Conditions
 
The 2019 health insurance markets are stabilizing, with some rate reductions, after a number of difficult years. After regulatory implementation of some administrative actions, market conditions moving into plan year 2019 substantially improved. Issuer participation is also growing and expanding across the country, providing more choice and may provide lower rates. The small employer association plans and short term medical plan regulatory changes are not showing improved opportunities at this time.
 
Health insurance continues operating under much of the core provisions of the Affordable Care Act (ACA), although there has been some disruption to some of the laws provisions. Popular provisions include guaranteed issue plans, no waiting periods for pre-existing conditions, free preventive care, unlimited benefits, tax credits, and more. Most consumers are reporting to us that they are happy with the rules, options, rates, tax credits, coverages, and more. Some individual customers over about age 50 with higher income are seeing very high rates, because they are not eligible for premium relief from the government, and there is no planned government premium relief for this consumer group at this time.

Health insurance, compliance, and working with government agencies and insurance companies can be complicated and time consuming. We can make it easier for you. We have specialized licensing, certifications, and experience that allow to deliver the programs that best fit your needs and budget. Since we are brokers, we can help you find the best value from what is available, and continue to work by your side to provide the solutions and guidance you need to maintain the coverage and rates that work best for you, during the year, and at each open enrollment and renewal. Our specialties include employer health plans, Medicare planning & enrollment, individual health insurance, dental, health insurance tax credit determinations for employers & individuals, consumer advocacy, education, and more.

Employers may purchase benefit programs throughout the year. Individuals who want health insurance must purchase plans during the annual open enrollment that starts each November for coverage to begin January 1st, of individual consumers must purchase a health plan within 60 days of a qualifying life event. Medicare beneficiaries usually have Medicare starting at age 65, or earlier if the beneficiary is disabled.

 
Posted 7:00 AM

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We make finding affordable insurance easy. We shop the market for the provider with the lowest price to fit your needs. Do you know if you are saving the maximum amount possible on your current insurance policy? We can review it for you to find out.


Laughlin Insurance, Inc.
10746 NE Halsey St
Portland OR 97220

Phone (503) 282-0827
Fax (503) 282-0830
marketing@laughlinagency.com

 

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