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Catherine Giles, an Independent Insurance Broker/Agent/Owner
     Schedule today your Free 30-Minute meeting with Catherine for consultation, policy reviews, quotes, or to apply for or servicing for insurance by:  in-person meeting at her home office or your office; virtual by Zoom; or by phone.  You may schedule by submitting your contact information in the "Contact Us" field or by calling Catherine at 940-597-4757 or emailing her at [email protected]














     With Catherine as your designated agent on your application, you have the same options, same pricing, same eligibility for advanced premium tax subsidy for On the Marketplace, but with her as your designated agent and first contact versus going it alone on a website or randomly-assigned call in a call center.

         Catherine takes care, with attention to details, to provide you and your family in Texas with high quality Health, Dental, and Supplemental insurance products and services, which are personalized for your unique needs.


Certified On and Off the Health Insurance Marketplace, or Healthcare.gov Site

     Catherine is certified in the Texas for On-Health Insurance Marketplace, or the Healthcare.gov site, in addition to Off-Marketplace health insurance carriers.  She is appointed with the top Health, Dental, and Supplemental insurance companies in Texas.   Offers You Free Consultation, Recommendations, Quotes, Enrollment Assistance, and Servicing

     For your Individual and Family Health, Dental, and Supplemental insurance needs, Catherine offers you her extensive knowledge, personalized consultation with recommendations and quotes, enrollment assistance, and servicing for your Health and Dental off or on the Health Insurance Marketplace. She can also offer you assistance with applying for any eligible advanced premium credit for a Health policy on the Marketplace.
















































Offers You Same Policy Options and Prices as Direct-Sell Insurance Companies or Health Insurance through the Marketplace

Offers You Same Assistance with Application for Eligible Advanced Premium Tax Credit On the Marketplace 

     Catherine can offer you the same Health and Dental insurance policies and the same prices as those sold directly by insurance companies off the Marketplace or sold directly on the Marketplace site.  She also can offer you the same application assistance for any eligible Advanced Premium Tax Credit on the Marketplace as those provided directly on the Marketplace site.  In addition, Catherine can offer you information on the location of links to apply for Medicaid or Children's Health Insurance Program, or CHIP.

     Why leave your questions, concerns, and servicing of your Health and Dental insurance needs to Direct-Sell insurance companies or directly on the Health Insurance Marketplace, who both utilize randomly-assigned calls to licensed customer service representatives assigned to your state and on duty at the time of each call?  Also, why leave your website or emailed questions, concerns, and servicing for your Health and Dental insurance needs to Direct-Sell insurance companies or directly on the Marketplace, who both utilize randomly-assigned website and email customer service assistance to representatives assigned to your state and on duty at the time?















Summary Information on Health Insurance Open Enrollment,  Special Enrollment Period, and Shared Responsibility Fees

  • Health Insurance Open Enrollment for 2022 coverage starts November 1, 2021 and ends January 15, 2022.  If your health insurance application is submitted by December 15, 2021, your effective date of coverage is January 1, 2022.  If your health application is submitted by January 15, 2022, your effective date of coverage is February 1, 2022.  Outside of open enrollment, you can still buy a Health insurance plan only if you qualify for a Special Enrollment Period with a qualifying life change within 60 days of the life change event. You must be able to document the life change and to submit proof of the life change. You can apply for Medicaid and CHIP at any time, and you can apply for stand-alone Dental Insurance options at any time.

  •  A Special Enrollment Period is a time outside of the Open Enrollment Period during which you and your family have a right to sign up for health coverage. You qualify for a Special Enrollment Period 60 days following certain eligible life events (for example, marriage, birth of a child, or loss of other health coverage.) (Job-based group plans must provide a Special Enrollment Period of 30 days.) For complete information on Special Enrollment Period, please contact Catherine for a consultation.      

  •  You’re considered covered for plan year 2022 if you have Medicare, Medicaid, CHIP, any job-based plan, any Qualified Health plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.

  •  The Shared Responsibility Payment no longer applies in plan year 2019 and beyond.












Summary Information ​Health Coverage Options to Afghan Evacuees

     Most evacuees arriving in the United States will be eligible for health coverage through Medicaid, the Children's Health Insurance Program (CHIP), the Health Insurance Marketplace, or refugee medical assistance (RMA). RMA is provided through the Office of Refugee Resettlement (ORR), in the Administration for Children and Families (ACF) and administered in most cases by state Medicaid programs. Eligibility for each coverage program depends upon the immigration status of the evacuee and the state where an evacuee is residing.

















Summary Information on Essential Health Benefits

All plans offered in the Marketplace cover these 10 Essential Health Benefits:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Additional benefits:
Plans must also include the following benefits:

  • Birth control coverage
  • Breastfeeding coverage

Essential Health Benefits are minimum requirements for all Marketplace plans. Specific services covered in each broad benefit category can vary based on your state’s requirements. Plans may offer additional benefits, including:

  • Dental coverage
  • Vision coverage
  • Medical management programs (for specific needs like weight management, back pain, and diabetes)

          When comparing plans, you’ll see exactly what each plan offers.


















 Summary Information on Coverage for Pre-Existing Health Conditions

  • Health insurance companies can't refuse to cover you or charge you more just because you have a pre-existing health or medical condition, for example asthma, back pain, diabetes, or cancer.  Once you have insurance, they can't refuse to cover treatment for your pre-existing condition.  They also can’t charge women more than men.

  •  Medicaid and the Children's Health Insurance Program (CHIP) also can't refuse to cover you or charge you more because of your pre-existing condition.

  •  When you get care for a pre-existing condition, you’ll still need to pay any deductibles, copayments, and coinsurance your plan requires. It doesn’t matter whether you’re being treated for a pre-existing or new health condition.










Summary Information on Free Preventive Services

     Qualified Health Plans on and off the Marketplace must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.

     This applies only when these services are delivered by a network provider.

For Adult Men:

  • Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
  • Alcohol misuse screening and counseling
  • Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
  • Blood pressure screening
  • Cholesterol screening for adults of certain ages or at higher risk
  • Colorectal cancer screening for adults 45 to 75
  • Depression screening
  • Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
  • Diet counseling for adults at higher risk for chronic disease
  • Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
  • Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
  • Hepatitis C screening for adults age 18 to 79 years
  • HIV screening for everyone age 15 to 65, and other ages at increased risk
  • PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adults at high risk for getting HIV through sex or injection drug use

  • Immunizations for adults — doses, recommended ages, and recommended populations vary:
  • Chickenpox (Varicella)
  • Diphtheria
  • Flu (influenza)
  • Hepatitis A
  • Hepatitis B
  • Human Papillomavirus (HPV)
  • Measles
  • Meningococcal
  • Mumps
  • Whooping Cough (Pertussis)
  • Pneumococcal
  • Rubella
  • Shingles
  • Tetanus

  • Lung cancer screening for adults 50 to 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
  • Obesity screening and counseling
  • Sexually transmitted infection (STI) prevention counseling for adults at higher risk
  • Statin preventive medication for adults 40 to 75 at high risk
  • Syphilis screening for adults at higher risk
  • Tobacco use screening for all adults and cessation interventions for tobacco users
  • Tuberculosis screening for certain adults without symptoms at high risk


This applies only when these services are delivered by a network provider.

For Adult Women:  

S​ervices for pregnant women or women who may become pregnant:

  • Breastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
  • Birth control: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.” Learn more about contraceptive coverage.
  • Folic acid supplements for women who may become pregnant
  • Gestational diabetes screening for women 24 weeks pregnant (or later) and those at high risk of developing gestational diabetes
  • Gonorrhea screening for all women at higher risk
  • Hepatitis B screening for pregnant women at their first prenatal visit
  • Maternal depression screening for mothers at well-baby visits (PDF, 1.5 MB)
  • Preeclampsia prevention and screening for pregnant women with high blood pressure
  • Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk
  • Syphilis screening
  • Expanded tobacco intervention and counseling for pregnant tobacco users
  • Urinary tract or other infection screening

Get more information about services for pregnant women from HealthFinder.gov

Other covered preventive services for women:

  • Bone density screening for all women over age 65 or women age 64 and younger that have gone through menopause
  • Breast cancer genetic test counseling (BRCA) for women at higher risk
  • Breast cancer mammography screenings
  • Every 2 years for women 50 and over
  • As recommended by a provider for women 40 to 49 or women at higher risk for breast cancer
  • Breast cancer chemoprevention counseling for women at higher risk
  • Cervical cancer screening
  • Pap test (also called a Pap smear) for women age 21 to 65
  • Chlamydia infection screening for younger women and other women at higher risk
  • Diabetes screening for women with a history of gestational diabetes who aren’t currently pregnant and who haven’t been diagnosed with type 2 diabetes before
  • Domestic and interpersonal violence screening and counseling for all women
  • Gonorrhea screening for all women at higher risk
  • HIV screening and counseling for everyone age 15 to 65, and other ages at increased risk
  • PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative women at high risk for getting HIV through sex or injection drug use
  • Sexually transmitted infections counseling for sexually active women
  • Tobacco use screening and interventions
  • Urinary incontinence screening for women yearly
  • Well-woman visits to get recommended services for all women

  This applies only when these services are delivered by a network provider.

For Children:  

​Coverage for children’s preventive health services:

All Marketplace health plans and many other plans must cover the following list of preventive services for children without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.

  • Alcohol, tobacco, and drug use assessments for adolescents
  • Autism screening for children at 18 and 24 months
  • Behavioral assessments for children: Age 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Bilirubin concentration screeningThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies. (PDF, 609 KB) for newborns
  • Blood pressure screening for children: Age 0 to 11 months, 1 to 4 years , 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Blood screening for newborns
  • Depression screening for adolescents beginning routinely at age 12
  • Developmental screening for children under age 3
  • Dyslipidemia screeningThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies. (PDF, 609 MB) for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorders
  • Fluoride supplements for children without fluoride in their water source
  • Fluoride varnish for all infants and children as soon as teeth are present
  • Gonorrhea preventive medication for the eyes of all newborns
  • Hearing screening for all newborns; and regular screeningsThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies. (PDF, 609 KB) for children and adolescents as recommended by their provider
  • Height, weight and body mass index (BMI) measurementsThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies. (PDF, 609 KB) taken regularly for all children
  • Hematocrit or hemoglobin screening for all children
  • Hemoglobinopathies or sickle cell screening for newborns
  • Hepatitis B screening for adolescents at higher risk
  • HIV screening for adolescents at higher risk
  • Hypothyroidism screening for newborns
  • PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adolescents at high risk for getting HIV through sex or injection drug use

  • Immunizations for children from birth to age 18 — doses, recommended ages, and recommended populations vary:

  • Chickenpox (Varicella)
  • Diphtheria, tetanus, and pertussis (DTaP)
  • Haemophilus influenza type b
  • Hepatitis A
  • Hepatitis B
  • Human Papillomavirus (HPV)
  • Inactivated Poliovirus
  • Influenza (flu shot)
  • Measles
  • Meningococcal
  • Mumps
  • Pneumococcal
  • Rubella
  • Rotavirus

  • Lead screening for children at risk of exposure
  • Obesity screening and counseling
  • Oral health risk assessment for young children from 6 months to 6 years
  • Phenylketonuria (PKU) screening for newborns
  • Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk
  • Tuberculin testing for children at higher risk of tuberculosis: Age 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years
  • Vision screening for all children
  • Well-baby and well-child visits













Summary Information Concerning On the Marketplace Health Insurance Plans

  • If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. 

  • You can also buy a plan outside the Marketplace and still be considered covered.  If you buy outside the Marketplace, you won’t be eligible for Premium Tax Credit or for lower out-of-pocket costs based on your income, called Advanced Premium Tax Credit.

  •  If you’re eligible for job-based insurance, you may consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance isn't considered affordable or doesn’t meet minimum requirements.   

  •  For 2022, employer coverage is considered affordable - as it relates to the Advanced Premium Tax Credit or the Premium Tax Credit - if the lowest-cost self-only coverage option available to employees does not exceed to 9.61% for 2022 plans of an employee's household income. People offered employer-sponsored coverage that’s affordable per these guidelines and that provides minimum value aren't eligible for an Advanced Premium Tax Credit or a Premium Tax Credit. Minimum requirements for health plan means it’s designed to pay at least 60% of the total cost of medical services for a standard population.

Summary Information Concerning What On the Marketplace Health Plans Can Offer

  • Lower costs based on your household size and income.  Most people who apply will qualify for lower costs through an Advanced Premium Tax Credit or a Premium Tax Credit.

  • Starting with Open Enrollment for 2022, consumers who received these extra Marketplace savings and lower costs in 2021 due to their receipt of unemployment compensation (UC) may notice changes to their financial assistance amounts when they shop and re-enroll for Plan Year (PY) 2022 plans. 

  • Their eligibility for financial assistance will be based on their projected household income for 2022, unlike in 2021 when unemployment compensation recipients may have received more financial assistance without regard to their household income amount. However, consumers with household income from 100% through 150% FPL may remain eligible for a tax credit that covers the entire monthly premium cost for the benchmark Marketplace plan and continue to qualify for CSRs.

  • Other consumers may experience significant changes – such as an increase in their share of the premium or less cost-sharing reductions. For example, consumers who qualified for and accessed the ARP UC benefits in 2021 may experience one of the following situations:

  • Consumers with incomes above 150% FPL ($39,750 for a family of four) may be eligible for lower APTC and CSR amounts on their PY 2022 plan, meaning their premium and cost sharing owed would be higher.

  • Consumers with incomes above 250% FPL ($66,250 for a family of four) will no longer be eligible for income-based CSRs on their PY 2022 coverage. Note: Tribal CSR benefits are unaffected.

  • Consumers with higher incomes may now have to pay the full cost of their Marketplace premium due to being eligible for a $0 APTC amount on their PY 2022 plan. Even though the ARP lifted the 400% FPL income limit for 2021 and 2022, consumers with higher incomes may still not receive a tax credit if the premiums available to them are low enough to be below 8.5% of their household income.

  • Consumers with household incomes under 100% FPL ($26,500 for a family of four) and who are ineligible for Medicaid (i.e. consumers in the "Medicaid gap") may now be ineligible for APTC and CSR benefits in PY 2022 due to their household income being under 100% FPL, with the exception of certain immigrant consumers.

  • Consumers at any income level may see new Data Matching Issues (DMIs) associated with their PY 2022 coverage, and should follow standard processes to submit documents online or via mail to resolve new Data Matching Issues (DMIs).

  • You may qualify for Medicaid and the Children’s Health Insurance Program (CHIP).  These programs cover millions of families with limited income. If it looks like you qualify, Catherine can share information with you about applying with your state agency.











 Summary Information on Eligibility Concerning On the Marketplace Health Plans  

     Most people are eligible to use the Marketplace. 

     To be eligible for health coverage through the Marketplace, you:

  • Must live in the United States.
  • Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses.
  • Can't be incarcerated.
  • If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan.


Immigrants with the following statuses qualify to use the Marketplace:

  • Lawful Permanent Resident (LPR/Green Card holder)
  • Asylee
  • Refugee
  • Cuban/Haitian Entrant
  • Paroled into the U.S.
  • Conditional Entrant Granted before 1980
  • Battered Spouse, Child and Parent
  • Victim of Trafficking and his/her Spouse, Child, Sibling or Parent
  • Granted Withholding of Deportation or Withholding of Removal, under the immigration laws or under the Convention against Torture (CAT)
  • Individual with Non-immigrant Status, includes worker visas (such as H1, H-2A, H-2B), student visas, U-visa, T-visa, and other visas, and citizens of Micronesia, the Marshall Islands, and Palau
  • Temporary Protected Status (TPS)
  • Deferred Enforced Departure (DED)
  • Deferred Action Status (Exception: Deferred Action for Childhood Arrivals (DACA) is not an eligible immigration status for applying for health insurance)
  • Lawful Temporary Resident
  • Administrative order staying removal issued by the Department of Homeland Security
  • Member of a federally-recognized Indian tribe or American Indian Born in Canada
  • Resident of American Samoa
  • Applicants for any of these statuses qualify to use the Marketplace:
  • Temporary Protected Status with Employment Authorization
  • Special Immigrant Juvenile Status
  • Victim of Trafficking Visa
  • Adjustment to LPR Status
  • Asylum (see note below)
  • Withholding of Deportation, or Withholding of Removal, under the immigration laws or under the Convention against Torture (CAT) (see note below)
  • Applicants for asylum are eligible for Marketplace coverage only if they’ve been granted employment authorization or are under the age of 14 and have had an application pending for at least 180 days.

People with the following statuses and who have employment authorization qualify for the Marketplace:

  • Registry Applicants
  • Order of Supervision
  • Applicant for Cancellation of Removal or Suspension of Deportation
  • Applicant for Legalization under Immigration Reform and Control Act (IRCA)
  • Legalization under the LIFE Act












Immigration Status Documentation

To support Marketplace applications, the following documents may be required or used, depending on the individual situation:

  • Permanent Resident Card, “Green Card” (I-551)
  • Reentry Permit (I-327)
  • Refugee Travel Document (I-571)
  • Employment Authorization Card (I-766)
  • Machine Readable Immigrant Visa (with temporary I-551 language)
  • Temporary I-551 Stamp (on passport or I-94/I-94A)
  • Arrival/Departure Record (I-94/I-94A)
  • Arrival/Departure Record in foreign passport (I-94)
  • Foreign Passport
  • Certificate of Eligibility for Nonimmigrant Student Status (I-20)
  • Certificate of Eligibility for Exchange Visitor Status (DS2019)
  • Notice of Action (I-797)
  • Document indicating membership in a federally recognized Indian tribe or American Indian born in Canada
  • Certification from U.S. Department of Health and Human Services (HHS) Office of Refugee Resettlement (ORR)
  • Office of Refugee Resettlement (ORR) eligibility letter (if under 18)
  • Document indicating withholding of removal
  • Administrative order staying removal issued by the Department of Homeland Security
  • Alien number (also called alien registration number or USCIS number) or 1-94 number












Summary Information Concerning Eligibility for Advanced Premium Tax Credit for On the Marketplace Health Plans

     Only when you buy health insurance coverage on the Marketplace, you may be eligible to receive an Advanced Premium Tax Credit, if you qualify, that can lower your portion of monthly premiums that you pay.

     Catherine can assist you with your Marketplace application in which you’ll report your household size and income. 

  • Any eligible Advanced Premium Tax Credit depends on your household income and family size.  

  • If your income falls between the amounts shown in the chart below, you’ll qualify for an Advanced Premium Tax Credit that you can apply directly to your monthly premiums. This means you’ll pay less money to your insurance company each month.

  • If your income falls within the following ranges generally you may qualify for an Advanced Premium Tax Credit.  Generally, the lower your income within these ranges, the larger Advanced Premium Tax Credit for which you may qualify.  The Health Insurance Marketplace® will use the 2020 FPL guidelines when making calculations for APTC and income-based CSRs for coverage year 2021 starting November 1, 2020.

Note that Medicaid and CHIP assessments/determinations are currently based on the 2022 FPL from the HHS 2022 Poverty Guidelines.

Household Size:

•$12,880 for individual
•$17,420 for a family of 2
•$21,960 for a family of 3
•$26,500 for a family of 4
•$31,040 for a family of 5
•$35,580 for a family of 6
•$40,120 for a family of 7
•$44,660 for a family of 8

*Chart is for 48 contiguous states and the District of Columbia; for Hawaii and Alaska, please visit the HHS ASPE website: https://aspe.hhs.gov/poverty-guidelines. 


  •  If your income falls below the amounts shown on the chart, you may qualify for coverage under your state’s Medicaid program. 


Summary Information on Exemptions from the Shared Responsibility Tax Fee

  • In 2022 plan year (for which you’ll file taxes in April 2023), the fee no longer applies. 


Summary Information for Off the Marketplace Health Plans   

  •  You can also buy a Qualified Health plan outside the Marketplace and still be considered covered. If you buy outside the Marketplace, you won’t be eligible for Premium Tax Credit or for lower out-of-pocket costs based on your income, called Advanced Premium Tax Credit.

  •  Most Off the Marketplace Health Plans are Qualified Health Plans which mean they cover the same Essential Health Benefits and Preventive Services that on the Marketplace Health Plans cover.















Summary Information for Expatriates Concerning Off the Marketplace Global Health Insurance Options

  • For Expatriates who are living and working in a country other than your nation of citizenship, Catherine can offer you off the Marketplace Global Health insurance policies and services. 







Summary Information On Supplemental Insurance

  • Supplemental Insurance is not major medical insurance and therefore not a Qualified Health Plan.  Supplemental Insurance is low-cost insurance that, at covered claim, pays you direct benefits by check in the mail and pays you above, beyond, and regardless of any other types of insurance you may have.  

  • Catherine can offer you supplemental Life, Accident, Hospital, Critical Care, Cancer, and Dental insurance in Texas.

​     Schedule today your Free 30-Minute meeting with Catherine for consultation, policy reviews, quotes, or to apply for or servicing for insurance by: in-person meeting at her home office or your office; virtual by Zoom; or by phone. You may schedule by submitting your contact information in the "Contact Us" field or by calling Catherine at 940-597-4757 or emailing her at [email protected]. 










Individual and Family Health, Dental and Supplemental Insurance Policies and Services

 Health Insurance Open Enrollment for Plan Year 2022 is: November 1, 2021 through January 15, 2022.

Health Insurance applications submitted December 16, 2021 - January 15, 2022 will have a February 1, 2022 effective date of coverage. 

 Schedule your appointment with Catherine for Health Insurance Open Enrollment for 2022.
Health Insurance Open Enrollment for Plan Year 2022 is: November 1, 2021 through January 15, 2022.

Health Insurance applications submitted November 1, 2021 through December 15, 2021 will have a January 1, 2022 effective date of coverage

 Schedule your appointment with Catherine for Health Insurance Open Enrollment for 2022.