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Health Care Reform

The landscape of the health insurance industry has seen dramatic changes resulting from Affordable Care Act, signed into law on March 23rd, 2010. Health plans are now grouped and priced into metal levels (e.g. Bronze, Silver, Gold and Platinum). The Bronze being the least costly.

Open enrollment windows and special qualifying life events limit when and how often you can enroll in or change plans. Pre-existing conditions are a thing of the past and all plans are guaranteed issue and guaranteed renewable.

December 15, 2018: Last day to enroll in or change plans for coverage to start January 1, 2019. You can still get health coverage if you qualify for a Special Enrollment Period due to a life event such as getting married, losing other coverage, or having a baby

We understand and keep current with the changing landscape. The Affordable Care Act has many working parts, and can be quite confusing.  Keeping current, allows us to help our clients comprehend and navigate Health Care Reform.


JS Sherman & Associates, Inc