Skip to main content

Forget any Rumors – You Still Need a Healthcare Plan

In today’s uncertain political climate, you might be hearing rumors that the Affordable Care Act will be repealed and replaced with something else.  This might have you feeling reluctant to enroll in a healthcare plan during this year’s Open Enrollment season. Hopefully, we can reassure you of two things: First, the ACA isn’t going away immediately. Second, you are still required to have health insurance for 2017.  So it is important for you to enroll or make any necessary changes to your current plan.

A few things to keep in mind…Affordable Care Act

First of all, it takes (literally) an act of Congress to repeal a current law such as the Affordable Care Act. It’s somewhat doubtful that this will be a quick process if and House of Representatives, repealing a current law is quite an arduous task. It’s unlikely that enough lawmakers would agree to dismantle the ACA without having an acceptable alternative ready to go.

Remember how long it took Congress to pass the Affordable Care Act? A bill must go through a period of intense scrutiny and it can take months or even years to pass new laws. That means any replacement for the ACA, if there ever is one, would not take effect immediately.

That leaves us with the ACA intact at least for 2017 andate still applies.  We are required to enroll in a health insurance plan that complies with the law, or else face a possible penalty on our taxes in 2018. Therefore, no matter what kind of rumors you might be hearing, you should proceed with your plans to enroll in a quality, affordable healthcare plan during this Open Enrollment season.

Don’t forget, Open Enrollment is happening now! You can continue to shop for a health insurance policy through January 31, but to get coverage by the first of the year you should make your final selection by December 15. Strachota Insurance is an official Covered California storefront, so give us a call and help you select a plan that is right for you.