It’s a good time to get in­sur­ance

The Calvert Recorder - - Community Forum -

We are ap­proach­ing the fi­nal week for peo­ple to sign up for health in­sur­ance on the Mary­land Ex­change. The dead­line for en­roll­ment is Dec. 15. In­sur­ance rates have de­creased by an av­er­age of 13 per­cent from last year due to a new fi­nanc­ing plan passed by our state leg­is­la­ture with the sup­port of Gov. Larry Ho­gan (R).

The most com­mon cause of bank­ruptcy in the U.S. re­mains debt from un­ex­pected med­i­cal ex­penses. This can be pre­vented for most fam­i­lies by hav­ing qual­ity health in­sur­ance. With more af­ford­able poli­cies for 2019, this is more re­al­is­tic for more peo­ple. Plans with lower de­ductibles and other out-of-pocket costs have seen the big­gest drops in pre­mi­ums. These “gold” plans can save thou­sands of dol­lars each year for fam­i­lies in Calvert while pro­vid­ing ex­cel­lent cov­er­age.

Get­ting an es­ti­mate on health and den­tal pre­mium costs is also quicker and eas­ier than in past years due to an im­proved Health Ex­change web­site. Go to www.mary­land­health­con­nec­tion.gov/ and click on “Get an Es­ti­mate” to see your op­tions.

The num­ber of unin­sured Mary­lan­ders has dropped by al­most half in the past six years, but about 1 in 15 peo­ple still lack any cov­er­age. For many of those in­di­vid­u­als and fam­i­lies, health cov­er­age is more af­ford­able than they have imag­ined. Take a few min­utes this week and see if there are good op­tions for you. If you pre­fer a per­son to a web­site, you can call 855-339-3007 with any ques­tions. Have a safe and healthy new year. Dr. Larry Pol­sky, Prince Fred­er­ick The writer is the Calvert County health of­fi­cer.

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