Let HealthMarkets Agent Roni Bell help determine what plan is right for you

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Roni Bell, a licensed insurance agent with HealthMarkets Insurance Agency, says fresh changes to the Affordable Care Act (ACA) mean more coverage options—and the opportunity to choose is happening right now. (Photography: Benjamin Margalit)

By Beth Newcomb

One of the hallmarks of last year’s Affordable Care Act (ACA) enrollment was the elimination of the tax penalty for those failing to acquire coverage.

“The law requiring coverage was and is still in place, but the individual mandate on the tax penalty was eliminated last year,” says Roni Bell, a licensed insurance agent with HealthMarkets Insurance Agency. “This was a tax code change, not an ACA change, but it obviously impacted everyone covered under the Affordable Care Act.”

The tax code change gave people who were subscribed to an ACA plan more options. Some chose to stay with the ACA coverage they already had, others chose to switch to a non-ACA governed plan. “I don’t think many people realize that determining whether or not to stay on an ACA plan or make a switch has less to do with government oversight and more to do with what makes sense to them, their health and their budget,” she says.

“People with pre-existing conditions and those who are subsidy eligible still fit into the ACA mold and may want to continue their coverage,” Roni explains. “Healthy people who are not eligible for a subsidy may want to consider a plan that falls outside of the ACA. It could save them some money. The choice is really determined by a person’s individual circumstances.”

Roni Bell is a licensed insurance agent with HealthMarkets Insurance Agency. During the ACA enrollment period, happening now until December 15, she will help hundreds of people understand their options.

If you are on an ACA plan right now, it makes sense to schedule a free review with Roni to see if that plan is still the right fit. If it is, she’ll tell you. If it isn’t, she’ll help you determine which coverage option better fits your needs.

“For example, if your income for 2020 will go up significantly, you’ll want to make sure you make an adjustment now so you aren’t faced with a hit on your taxes the following year,” Roni explains. “I can run the numbers to make sure you’re where you need to be personally and financially.”

“ACA plans include standard essential benefits and access to doctors and hospitals in your area. They also offer preventative coverage options, and things like maternity care if you need them. These plans offer really excellent benefits and some people will want to stick with what they’ve got,” she says.

Because providers modify or enhance their offerings each year, new providers may have entered the marketplace, rates for certain plans may have gone up and deductibles for others may have changed. Where you were last year may not be the best place for you this year. You can find out for sure during a review with Roni.

The best part is, a review with Roni, her time, and her guidance are all free of charge.

“People who want or need ACA coverage still need to follow the enrollment dates (now until December 15), or they need to change plans. With me, you’ll have the power to learn about all of your options, and you can feel confident that the plan you’re in, or perhaps another plan, is the best fit for you and your family. You have the power to choose,” she says.

Because Roni is a licensed insurance agent with HealthMarkets, she has access to a number of different plans. In fact, HealthMarkets isn’t limited to just one company’s insurance plans. They have hundreds, including brands you know.

“Everyone needs health insurance coverage,” she adds. “The difference I can offer is that my services are free of charge, and I can provide access to carriers some other agents cannot. I can help you determine if you should elect coverage outside of the ACA, or if staying with the ACA makes better sense.”

HealthMarkets Insurance Agency is located at 1039 Pearl Road, in Brunswick. Call Roni at 330-225-2550. Hours are Monday through Friday, 9 a.m.-5 p.m.; Open Saturday during enrollment, 9 a.m.-3 p.m., Sunday and evening hours by appointment. Visit the website at HealthMarkets.com/RoniBell. As the ACA enrollment period is in full swing, the time to schedule a review with Roni is right now.

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Agents may be compensated upon enrollment. No cost or obligation to enroll. HMIA007581 11/2019