Fact Checked

Open Enrollment Begins Again On November 1

Open Enrollment Begins Again On November 1Starting with November and ending with January, the insurance exchanges set up by the Affordable Care Act will be offering insurance plans again for the upcoming year. There have been a few changes to the health care landscape since last year, and depending on how the election goes, there may be even more changes coming up. Here are a few of the things you might want to know about as the enrollment period begins:

1. The Health Care Provider Pull-Out

Several health care providers have, over the course of the past year, promised to pull out of the health care exchanges in certain states and counties. These providers usually say that the reason they’re pulling out is because they aren’t making enough money, although in one specific case the real reason turned out to be the fact that the federal government refused to allow a merger to take place. Either way, companies aren’t required to use the exchanges to sell individual health plans, and so many of them are choosing not to. Still, most people won’t be affected by this change since they get health insurance through their employer, and you can get an individual plan outside of the exchanges.

2. The Rate Hike

Health care costs are, once again, going up, but that’s not entirely unexpected. A big part of what has kept costs from going up too quickly in recent years has been a major shift towards high-deductible plans, plans where the policyholder has to pay $1000 or more on non-preventive health care costs before the benefits will start to kick in. However, now that so many people have already made the shift, people are starting to feel the full cost increases again.

Another aspect of the rate hike is the fact that insurance companies aren’t solely responsible for the cost of health insurance. Clinics, hospitals, and pharmaceutical companies are also increasing the cost of doing business in the health care industry, and the health insurance providers can’t afford to take on all the additional costs forever.

Fortunately, there’s always one thing you can do to bring your personal health care costs down no matter how much you make in a year or when you decide to do it: you can always sign up for a USA Rx pharmacy discount card. Our discounts on prescription drugs go up to 75 percent in some cases, and since we’re accepted at over 60,000 pharmacies throughout the nation, you’re sure to find a use for our card in your area. Signing up for a card is free and easy, and you can learn more about our program by calling 888-277-3911 or by emailing us at [email protected]