That demographic is the most likely to be uninsured, and the most critical to cushioning costs of older and sicker folks. This year brings updated pitches using Twitter,
Local representatives of
If you have employer-based insurance, open enrollment periods are usually in October, November or early December. The
If you are signing up for an Obamacare plan that you want to go into effect
Generally, a high-deductible plan can be the best route for people who are healthy and don't have to go to the doctor much or use medications. But check with an insurance counselor or use an online-estimator tool because in some cases, people with very high medical expenses also can benefit from that type of plan.
Golden said Consumer-Directed Health Plans and health care flexible spending accounts, which use pre-tax dollars for co-payments and deductibles, can also help people trim health-care expenses.
If you're not on an employer insurance plan, find out if you qualify for a subsidy or tax credit on the Obamacare marketplace to reduce costs. According to federal officials, 56,000 Virginians who currently purchase individual policies from a direct provider may qualify for tax credits, so it's worth checking.
If you're 26 or younger, you may want to ask about coverage on your parent's plan.
A survey of 133 companies by the
More insurers are adopting online decision-making tools to help them make better health care choices. More employer-based plans are also offering nurse coaching to help people manage chronic health conditions.
Senior Services of
People can also get information about Obamacare on line at www.healthcare.gov or by calling the Marketplace Call Center at (800) 318-2596 (TTY users can call 855-889-4325.) Plans for 2017 have not yet been posted, but will be posted later this month.
(c)2016 The Virginian-Pilot (Norfolk, Va.)
Visit The Virginian-Pilot (Norfolk, Va.) at pilotonline.com
Distributed by Tribune Content Agency, LLC.