This time of year is to be understood again: Open enrollment. It is your once a year to decide on changes to your individual health insurance, or enroll in coverage for the first time. To make you feel secure in your choices, here are a few questions and answers to give you open to understand application for 2015 
Q: What and When is open enrollment
A: Open enrollment is the time each year when someone in the individual can enroll insurance. Individual health insurance is an insurance you buy for yourself and your family -. How Car Insurance
15 November 2014 begins the 2015 open enrollment and ends on 15 February 2015.
Q: How can I prepare to enroll in coverage
A: you can prepare 2015 by collecting the necessary materials for open enrollment. In this way it is for reporting make the application faster and easier.
Here is a list of items that you will need to apply for coverage:
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House and / or postal address for each in your household who is applying for coverage.
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Social Security numbers for people in your household.
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Documentation of legal immigration status to check if applicable.
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Employer and income information for each member of your household.
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This may come in the form of pay stubs or W-2 forms.
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your best estimate of household income for 2015
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Policy numbers for any current health insurance plans household members.
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A "Employer Coverage Tool" funded for any employer insurance completed you or your household members are eligible for. Tip :. The form for each employer-sponsored health insurance completed you should be entitled are for-- not just that you are enrolled in
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If you have health insurance in 2014th, messages from your current plan that your plan ID included
Q: How do I know which to choose plan
A: Individual health insurance plans called now categorized into four standardized coverage levels, "metal levels reporting". These categories help you compare plans better
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Platinum: The plan pays 0%. You pay 10% of the expected costs through deductibles, copayments and coinsurance
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Gold :. The plan pays 80%. You pay 20% of the expected costs through deductibles, copayments and coinsurance
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Silver :. The plan pays 70%. You pay 30% of the expected costs through deductibles, copayments and coinsurance
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Bronze :. The plan pays 60%. You pay 40% of the expected costs through deductibles, copayments and coinsurance
. See also:
Q: What are Premium Tax Credits
A: under the ACA, the federal government offers rebates for health insurance entitled individuals and families. The discounts, called premium tax credits, many people help affordable individual or family health insurance through the new national health insurance buy marketplaces. The premium tax credits are "Advanced-payable" meaning that they can be applied toward your premium if you buy health insurance. They offer significant savings, too. In 2014, 87% of people who buy a health plan through the Marketplace will receive a discount, pay 82 / month only, on average, $
See related article: FAQs - Health Insurance Premium Tax Credits .
Q: What happens if I have cover tightly to
A: The penalty for not until in 2015 cover comes with. For 2015, if you opt out of health insurance, the greater amount of either $ 325 are now charged per adult ($ 162.50 per child up to $ 975 per family) or 2% of family income minus federal tax filing threshold , Remember, the punishment increases again in 2016.
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Q: Why Open Enrollment Matter small businesses
A: Most small businesses want to offer health benefits, important employees to recruit and retain, but the traditional group health insurance is no longer affordable. In fact, the insurance group is to provide no longer the best way for small business health benefits.
The solution? Allow the employees to buy their own individual health insurance, and reimburse employees for their premium or a portion of their premium. This type of employer-sponsored individual health insurance is the predominant way for small businesses to offer health insurance always.
Open enrollment is the appropriate time to switch funded employer individual health insurance because all employees can enroll in an individual health insurance.
Now that you have a better understanding of one of the admission of members and you have to do that you feel confident in the decisions you make during the admission of members, 2015. Further questions? Leave a comment below.
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