When Is 2019 Open Enrollment for Health Insurance?

THINK Insurance & Financial Services serves the communities in and around Pomona, CA with quality insurance services. If you are interested in purchasing health insurance at any time of the year call our agent to discuss your options. 

When is Open Enrollment for Health Insurance This Year? 

Open enrollment for health insurance in 2019 is from November 1, 2018 – December 15, 2018. If you did not purchase your insurance during this time-frame don’t fret you may be able to purchase insurance under a special enrollment period if you qualify. These plans will be active starting on January 1, 2019. 
Next year’s date for 2020 insurance will also fall in a similar time period, but they are not officially printed yet. With 2020 plans activated on January 1 of that year. 

If you were covered by your employer’s health insurance, then lost it for whatever reason, don’t worry. We can offer you coverage at any time of the year including short term plans. Discuss your health insurance options with our experienced agent to get the best plan in the time-frame you need. You can still avoid tax penalties for not having insurance this year if you have a valid reason for not purchasing during the open period or for losing the policy you did have. Do not leave yourself unprotected in case of a medical emergency come in to discuss your needs as soon as possible, or call today. 

THINK Insurance & Financial Services is your Pomona, CA resource for insurance services we can provide all of your insurance needs including health, renters, car, commercial insurance, and more. 

 

What Affects Car Insurance Prices the Most?

Living in Pomona, CA, most people need a car. There are a lot of things that will help you determine what car you want and ultimately purchase, but too many people overlook insurance when they make these decisions. You can think of your premium as an extension of your car payment. Fortunately, THINK Insurance & Financial Services has this list of things that impact insurance rates. When you understand how prices are set, you have more control over how much you have to pay.

Financial Risk

Insurance, in general, is built on the concept of risk assessment. There are a lot of things that make a particular car policy higher or lower risk. Where you live, even down to the exact block in Pomona, CA, impacts risk (rate of accidents and theft are calculated). Your age, gender, and job all play a role in assessing your risk of causing an accident. Topping all of this is your credit score. It can be frustrating, but it plays a big role in determining your rates.

Not all of this is easily controlled. If you’re in an accident-prone neighborhood, you might have to look at other ways to keep your rates down. That’s where the second assessment comes into play.

The Car

The car itself has more say in the cost of your policy than anything else. Insuring a Lamborghini is more expensive than insuring a used Civic, even if you only purchase minimum liability. The vehicle’s safety rating, seating capacity, age and theft protection all add into these calculations. When you’re thinking about insurance, the most control you have over the rates is in your vehicle selection.

There are other things that will change your prices in Pomona, CA, but they hold less impact than financial risk and vehicle choice. Still, if you have any questions, you can always reach out to THINK Insurance & Financial Services.