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Demand soars ahead of closing

by Tony Novak, CPA, MBA, MT    March 29, 2014


Freedom Benefits recorded its send largest number of online visitor this week ahead of the fist closing of open enrollment season at Open enrollment is scheduled to close on March 31 for 2014 enrollments except for individuals in special circumstances. The largest number of visitors was recorded in the first week of open enrollment season that began in October 2013.

Visitors are primarily interested in finding supplemental insurance to cover the fhigher deductibles left when applicants enrolled in an Obamacare policy. Generally the most economical approach for individuals who pay for their own coverage is to purchase the least expensive bronze level plan on an insurance exchange and then get separate coverage for the deductible and copayment. Lower income individuals may qualify for Medicaid coverage that also provides supplemental coverage for insurance deductibles.

The most popular types of supplemental coverage are discount precription drug cards, dental insurance, accident supplement coverage, deductible supplement coverage. Next week, after open enrollment closes, we expect the focus to shift to short term medical insurance to bridge the gap until the next open enrollment season opens for 2015 coverage.

The federal government reports that 6 million have enrolled for coverage through or another insurance exchange but many more remain uncovered.

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Opinions expressed are the sole responsibility of the author Tony Novak and do not represent the opinion of any other person, company or entity mentioned. Information is from sources believed to be reliable but cannot be guaranteed. Freedom Benefits is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site.