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In 2014, if you applied for a tax subsidy with the government and applied for Individual Health Insurance through healthcare.gov, you will automatically be renewed for 2015. There are a few important items you should note when renewing.

 First, if you know or can estimate your 2015 household income, and it is either more or less than what you made in 2014, then you will want to either log-in to your healthcare.gov application and re-submit the app with the new estimated income amount, or, you can call healthcare.gov at 800-318-2596. If you have any questions about this, please contact us at 847-577-1970 and we would be happy to guide you through this process.

 If you know or can estimate that your 2015 household income will be the same as what you made in 2014, then you do not have to do anything. Your tax subsidy and health insurance will automatically renew at the 2015 rates.

 Finally, if you would like to discuss changing your plan, we suggest contacting us first to go over all of your options. After we have talked and selected a new plan for you, you will have to contact healthcare.gov to have the new plan enforced.

 Since this is all new to everybody, please do not hesitate to contact your agent for help at 847-577-1970.

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