2025 Open Enrollment for People Under Age 65

Your NO-COST Health Insurance Marketplace Advocate.

Meet Angela Lundy, the Insurance Lady.

If you are under the age of 65, open Enrollment is in full swing. Do you have your health coverage selections in place? Are you confused by what offerings will be best for you and your family? Has your status, income, budget changed and are you in need of an advocate? Angela Lundy, owner of Creative Insurance Solutions, LLC is an insurance coverage specialist with extensive experience helping you navigate the Healthcare Marketplace and matching you with the right protection at the right price.

Angela said, “This year, more than ever, we are seeing significant increases in health insurance premiums across the board. If you aren’t updating your information, you might be paying more than you should. I reach out to my clients for an annual review and assist them with updates such as family status, income, add dental or vision, and pick a plan to best suit their needs. There is no additional cost for using my service. Your premiums are the same whether you use my service or go it alone.”

Insurance Lady BENEFITS

• Angela’s assistance helps you sort through the many changes and tweaks to your existing plan and suggest options to quickly find the plan that is just right for you.
• Find plans that include your doctors and your hospital preferences.
• When issues arise, she advocates for your behalf with the Marketplace and carriers instead of you sitting on hold for an extended period of time.
• Find dental and vision plans that include your preferred dentist and optometrist.

“It’s important to update your information annually, especially if you’ve had a change in your income and family status to avoid any costly repayments. If there is a discrepancy with your reported income, you might need to repay a portion of your subsidy at tax time. I can help you every quarter to make changes to your income so that it is accurate and there are no surprises at tax time,” Angela explained.

She also said that Marketplace coverage is a great option for entrepreneurs with no employees and subsidies are available for Modified Adjusted Gross Income up to 400% of the poverty level. Furthermore, Marketplace coverages are not the same as SoonerCare or Medicaid. Coverage is through carries such as Blue Cross & Blue Shield, Community Care, United HealthCare and many others.

TIMEFRAME/DEADLINES

2025 Open Enrollment for individuals through the Marketplace is Nov. 1st – Dec. 15th, 2024, for a January 1, 2025, effective date and Dec. 16, 2024 – Jan. 15, 2025 for an effective date of February 1, 2025.

Angla Lundy of Creative Insurance Solutions, LLC will be your NO-COST health coverage assistance and help you every step of the way with your questions, choices, and service throughout the year.