It is something we deal with often in our office often. An individual who does not have the ability to enroll in a group plan. The reasoning might be in between jobs, the employer does not offer benefits or they are sole practitioners. Most of these families in NJ do not qualify for the federal subsidies that are offered by the Federal Market place (ACA). The plans are limited and do not offer national coverage. Most individuals last year were saddled with 15% – 35% rates increases and it looks like the same is going to happen for the 2019 open enrollment. The future for individuals in NJ to be covered is bleak and is near the tipping point. With the individual mandate set to sunset in 2019 the option of going without coverage might actually now, sound like a good idea.
