Local ACA Support
Local guidance available at no cost can be invaluable when it comes to selecting an ACA plan for 2027.
Scott McEvoy (seated second from left) relies on the support of a talented team to help him service hundreds of clients each year. Pictured here is Scott along with team members and licensed insurance agents Connie Pankuch, Chris Kucera, Cathy McEvoy, Lindsay Wurm and Michael McConnaughey. Licensed agents not pictured are Dora Simon, Sheila Fenton and Katie Ketterer, who takes appointments in the Florida office. (Photo: Adrienne Rose)
For anyone sourcing health insurance via the Affordable Care Act (ACA) marketplace, narrowing down the choices and then picking one that makes sense for you and perhaps your family can be confusing. Do you choose a plan based on cost? Do you pick based on hospitals and doctors? Is there an option to incorporate both a budget-friendly plan and one that meets your personal health needs?
Having a local licensed insurance agent in your corner like Scott McEvoy, of HealthMarkets Insurance Agency, or a member of his team can be a helpful resource.
Because they’re located in Northeast Ohio, they may be familiar with local hospital systems, provider networks and how plan choices could affect your access to care. “Rather than trying to decipher your options via a national call center or online portal, we’re right here in your area,” Scott says. “We understand this region and know the local healthcare providers and hospital networks that may be exclusive to Northeast Ohio. Because we’re so deeply enmeshed with the local community, we can provide options for you to consider based on your budget, healthcare needs and personal preferences.
Open Enrollment for a plan under the ACA happens Sunday, November 1, until Tuesday, December 15.
It’s Personal
Choosing a healthcare plan under the ACA is a personal decision, and your choice should reflect your unique situation. Whether you have individual or family coverage needs, Scott or a member of his team offer one-on-one consultations and take the time to explain the different plan options to you. Armed with that knowledge, you can feel more confident about your selection.
“People appreciate the personal attention they get from us,” Scott explains. “You can certainly go it alone, but why would you when you have someone in your corner who can help you understand your insurance coverage?”
“As independent agents, we have access to plans from multiple carriers, allowing us to offer you a variety of choices, rather than focusing on a single provider,”Scott states.
Scott or one of his team members can help you compare available options based on what is important to you, whether that includes plans with low deductibles, a wide network of doctors, prescription drug coverage, or a combination of these features.
Another advantage to working with a HealthMarkets agent is having help navigating plan changes, including availability and premium adjustments. This can help you review current plan information as you compare your health insurance options.
With potential changes to Marketplace plans in 2027, having access to a local agent can be a helpful resource when exploring your options.
Are Subsidies Still a Thing?
Changes to what’s available under the ACA happen every year, so you might be wondering if you still qualify for a subsidy, or what steps to take to apply for a subsidy and meet any applicable deadlines. Scott or a member of his team can help you understand your eligibility and financial assistance that may be available to you.
“Subsidies can help lower health insurance costs for those who qualify, so we’ll help you understand your options and the steps you need to take,” Scott says.
2027 Changes
Here are some ACA Marketplace changes consumers may see in 2027, according to CMS:
• Federal cost-sharing parameters and maximum out-of-pocket limits have changed, which could affect costs for some consumers.
• Plan availability, premiums, deductibles, provider networks and other plan features may vary by carrier and location.
• Marketplace plan offerings and plan designs may change for 2027, which could affect the options available to consumers.
Ongoing Support
Once you’ve selected your healthcare plan for 2027, you can move forward with your coverage for the year ahead. However, because Scott and his team handle a variety of health insurance plans, you can turn to one of them for guidance anytime throughout the year. If you encounter any issues with your ACA plan, such as questions with billing or your healthcare needs change, Scott or a member of his team can help you understand your options and provide support.
Tapping into the knowledge of Scott or a member of his team doesn’t cost a thing. You have access to personalized service with no cost for our services.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability may vary by state. Agents may be compensated based on enrollment. No obligation to enroll. 53604-HM-1026
Scott McEvoy HealthMarkets Insurance Agency
9551 Vista Way, Garfield Hts.
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