2019 HEALTH INSURANCE OPEN ENROLLMENT FOR TEXAS DENTISTS

WHAT YOU NEED TO KNOW

2019 Open Enrollment Dates

Individual Health Insurance:

November 1, 2018 - December 15, 2018


Employer Holiday for New Small Groups:

November 1, 2018 - December 15, 2018

OPEN ENROLLMENT ENDS IN:

Important Deadlines for Employers with Existing 1-1-19 Groups:

November 15, 2018: Deadline to let us know about any plan changes for 2019
November 30, 2018: Deadline to provide us with employee name & email if we are to conduct your open enrollment
December 1-15, 2018: Employee Open Enrollment

Enroll Today!

Fill out the form to request a quote or call us at

972-663-5190

Quote Request

Step 1 of 3

2019 HEALTH INSURANCE OPTIONS FOR TEXAS

For Employers

What's Changed

  • Health insurance carriers have rolled out alternative funding & association-based platforms that allow employers with favorable group composition to provide high quality plans at lower pricing.
  • The IRS started sending out penalty assessments to employers with over 50 employees that did not offer affordable coverage in tax year 2016.

What Hasn't Changed

  • Employers with more than 50 employees are still required to offer affordable coverage to employees or be assessed penalties.
  • The employer holiday waiver of contribution & participation requirements for new small groups is still available for policies effective 1-1-19.

For Individuals

What's Changed

  • In 2019 there will no longer be a mandate for individuals to purchase health insurance or face penalties.
  • BCBSTX has a few more plan options, including 2 that are HSA Compatible.

What Hasn't Changed

  • HMO health coverage remains the only option available to individuals under 65. 
  • BCBSTX is the only carrier offering plans in all Texas counties.
  • Accessing health insurance through an employer is less expensive and provides more options. Employers can set up a new small group during the employer holiday at no cost.
  • Premium Pricing is very stable

WE'RE HERE TO HELP

If you work for an employer who doesn’t currently offer group health insurance, we can help them to get a plan started for 1-1-19.

We’re available to assist with your selection and servicing of a BCBSTX individual plan.