Top 4 ways to navigate the health insurance marketplace

KANSAS CITY, Mo. -- It's open-enrollment time for health insurance  amid a lot of uncertainty about the future of Obamacare. FOX 4 invited the chief marketing director with Mylo, Monica Wilkens, to stop by and share how people can be sure that they along with their families are covered next year.

Wilken's top 4 ways to navigate the health insurance marketplace

  • When to buy
    • It’s open enrollment for health insurance
  • Key date Dec 15 for coverage beginning Jan 1 2017
  • Enroll by Jan 31 and coverage will begin March 1, 2017
  • Shopping options
    • No employer health coverage - options besides healthcare.gov
  • Brokers are free, objective resource; do all the heavy lifting
  • Look for companies with experienced, licensed agents
  • High premiums
    • Premiums have increased; tax subsidies increasing as well
  • Major health issue pay 100-percent out of pocket
  • Penalty if you don’t have coverage, comes out of tax refund
  • Complex product
    • Shopping on your own is difficult; challenging to understand nuances of each plan
  • Recent election will bring changes, consumers need coverage now
  • We’re on top of developments with new administration;  continue to advise people on the best choice