Best Health Insurance Agencies in Murfreesboro, TN

Murfreesboro, TN Health Insurance FAQs

• Can you buy Marketplace health insurance if you already have health insurance from your employer in Murfreesboro?

  Yes, having health insurance through your employer does not preclude you from purchasing a Marketplace plan. However, you may not be eligible for the tax credit that is usually associated with Murfreesboro Marketplace insurance. You are only eligible for the tax credit if your employer's coverage costs more than 9.61% of your total household income in a given year.

• Are you qualified to enroll in a Marketplace health insurance plan in Murfreesboro?

  To be eligible for Murfreesboro Marketplace health insurance, you must be a Tennessee resident, not be in prison, not have Medicare insurance, and your presence in the country must be lawful. If you do not qualify for CHIP or Medicaid, you can receive cost-sharing and tax credits with your Marketplace insurance. Individuals who are covered by unaffordable employer-provided health insurance may be eligible for subsidies when purchasing a Marketplace plan.

• Will your health insurance plan in Murfreesboro be terminated if the insurer closes its operation?

  No, you will not lose your insurance coverage. If your insurer in Murfreesboro faces financial issues, the Tennessee Life & Health Insurance Guaranty Association ensures continuity. They may take over or transfer your policy to another active local insurer. Your coverage will stay intact as long as you pay premiums. However, there are limits: up to $500,000 for basic medical claims, $300,000 for disability and long-term care claims, and $100,000 for miscellaneous medical claims, including indemnity and disease-specific claims.

• What happens to your health insurance coverage if you get a divorce in Murfreesboro?

  When a divorce is finalized in Tennessee, coverage for the non-policyholder spouse is immediately terminated. If you are covered by your soon-to-be ex-spouse's private or employer-provided insurance, you should consider getting your own insurance or extending your current coverage through COBRA. You should have enough time to find coverage in Murfreesboro before the termination because your ex-spouse is required by law to notify you 30 days before your coverage is terminated.

• When is the open enrollment period for Marketplace health insurance plans in Murfreesboro?

  Tennessee's open enrollment period runs from November 1 to January 15 of the following year. If you want your insurance to start on January 1 of the following year, you must enroll by December 15. If you enroll after December 15, your coverage will not begin until February 1 of the following year. A plan can be purchased online at HealthCare.gov or through your Murfreesboro insurance agent.