Welcome to the private Members Health Insurance Exchange. Just for NAR members, the Exchange provides access to ACA (Obamacare) compliant individual major medical plans from nationally recognized and top-rated insurance carriers. All plans offered are guaranteed acceptance and include:
- High Deductible (Catastrophic)
- Health Savings Account Qualified High Deductible Health Plans (QHDHPs)
OPEN ENROLLMENT PERIOD
During Open Enrollment, anyone can change or enroll in an individual major medical qualified health plan (QHP) for any reason regardless of pre-existing conditions. It is a period during which one may freely enroll in or change one’s selection of a health insurance plan or another benefit program that is ordinarily subject to restrictions. Open enrollment typically runs from November 1st through December 15th*. Coverage begins January 1st for the year. Outside of the Open Enrollment Period, you generally can enroll in a health insurance plan only if you qualify for a Special Enrollment Period. You’re eligible if you have certain life events, like getting married, having a baby, or losing other health coverage.
*Please note, subsequent years are subject to date changes and we will update accordingly
SPECIAL ENROLLMENT PERIOD
Under certain circumstances, individuals may change or enroll in QHPs outside of the annual open enrollment period*. These Special Enrollment Periods (SEPs) are based on certain triggering events. Events that permit a Special Enrollment Period include but are not limited to:
• Marriage or Divorce • Adoption/Placement of Child • Job Loss • Determination that an individual is newly eligible or ineligible for premium tax credits or a change in eligibility for cost-sharing reductions • Permanent move to an area where different QHPs are available
*In most cases, SEPs will extend for 60 days from the date of the triggering event.
Complimentary consultative services are a key part of the benefits we offer to NAR members. Whatever your needs or questions, our licensed Enrollment Specialists are here to help you find solutions, at no cost to you, and we pride ourselves on our no-pressure sales department. Call 1-877-267-3752 today.