{"id":14079,"date":"2022-12-14T13:16:25","date_gmt":"2022-12-14T19:16:25","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=14079"},"modified":"2022-12-15T10:10:45","modified_gmt":"2022-12-15T16:10:45","slug":"what-insurance-do-i-need-for-2023","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/what-insurance-do-i-need-for-2023","title":{"rendered":"What Insurance Do I Need for 2023?"},"content":{"rendered":"<p><strong>If you\u2019re retired, you need insurance. But where do you start in this overwhelming market? And what types of coverage do you need? Here&#8217;s what you need to know for those approaching retirement in Iowa.\u00a0<\/strong><\/p>\n<p>No one wants more bills to pay, especially when you\u2019re on a fixed or limited income. But insurance is something of a necessary evil. If you\u2019re looking for health insurance coverage through the marketplace, the deadline for 2023 is approaching quickly. Open enrollment for health plans begin November 1st and run through Jan 15th. This is mainly for people who are self-employed or can&#8217;t get workplace insurance, but also don&#8217;t qualify for Medicaid or Medicare.<\/p>\n<p>If you&#8217;re one of these people, you&#8217;re part of the 13 million who are enrolled in private health insurance. Below, we&#8217;ll look into health insurance coverage considerations and other potential insurance needs for 2023.<\/p>\n<h4><b>Premiums are Rising by 4% to 5% on Average<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Premiums are rising nationally between 4 and 5 percent on average. While each state varies, <\/span><a href=\"https:\/\/iid.iowa.gov\/2023-health-rate-increases#:~:text=For%202023%20the%20growth%20rate%20is%205.4%25.\"><span style=\"font-weight: 400;\">Iowa\u2019s premiums are rising to 5.4%<\/span><\/a><span style=\"font-weight: 400;\"> which is slightly higher than the national average. If you have a marketplace plan and are facing a large premium increase, you can always check to see if there is another affordable option available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Outside of open enrollment, a <\/span><a href=\"https:\/\/www.healthinsurance.org\/obamacare\/qualifying-events-that-can-get-you-coverage\/\"><span style=\"font-weight: 400;\">qualifying event<\/span><\/a><span style=\"font-weight: 400;\"> is necessary to enroll or make changes to your coverage. There are three insurers that offer exchange plans in Iowa, with plan availability varying from one location to another:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oscar<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medica<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wellmark<\/span><\/li>\n<\/ul>\n<h4><b>Take Advantage of Generous Subsidies<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for a way to help lower your health insurance costs, there are still some ways to do that. In fact, more generous financial help remains in place. That is, temporarily expanded subsidies that were put in place for 2021 and 2022 were extended through 2025 in the <\/span><a href=\"https:\/\/www.congress.gov\/bill\/117th-congress\/house-bill\/5376\/text\"><span style=\"font-weight: 400;\">Inflation Reduction Act<\/span><\/a><span style=\"font-weight: 400;\">, which became law in August.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means there is no income cap to qualify for subsidies, and the amount anyone pays for premiums is limited to 8.5% of their income as calculated by the exchange. Before the changes, the aid was generally only available to households with income from <\/span><a href=\"https:\/\/aspe.hhs.gov\/topics\/poverty-economic-mobility\/poverty-guidelines\"><span style=\"font-weight: 400;\">100% to 400% of the federal poverty level.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">The marketplace subsidies that you\u2019re eligible for are based on factors that include income, age and the second-lowest-cost \u201csilver\u201d plan in your geographic area (which may or may not be the plan you enroll in).<\/span><\/p>\n<h4><b>Be Sure to Give a Good Estimate of 2023 Income<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Are you still in the workforce? You might have heard that the amount of your subsidies is based at least partly on your income. And you might be thinking, &#8220;How can I estimate what my income will be in 2023?&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you end up having annual income that\u2019s higher than what you reported when you enrolled, it could mean you\u2019re not entitled to as much aid as you\u2019re receiving right now. And any overage would need to be accounted for at tax time in 2024 \u2014 which would help reduce your refund or increase the amount of tax you owe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Likewise, if you are entitled to more than you received, the difference would either increase your refund or lower the amount of tax you owe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Either way, at any point during the year, you can adjust your income estimate or note any pertinent life changes (death of a spouse, inheritance or divorce etc) that could affect the amount of subsidies you\u2019re entitled to.<\/span><\/p>\n<h4><b>Family Income is Fixed Starting 2023<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">In 2020, the Affordable Care Act changed the rules for how people can get insurance if their employer doesn\u2019t provide affordable coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">People who are employed and don\u2019t get employer-sponsored health insurance are considered \u201caffordable\u201d. It&#8217;s important to note that no more than <\/span><a href=\"https:\/\/www.healthinsurance.org\/obamacare\/no-family-left-behind-by-obamacare\/\"><span style=\"font-weight: 400;\">9.61% of income this year are permitted to sign up for a plan through the marketplace. <\/span><\/a><span style=\"font-weight: 400;\">The measurement of affordability is based on the cost of employee-only coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s the case even if a worker wants their dependents covered too \u2014 meaning the actual cost of family coverage could far exceed that threshold. However, in 2023 it will work differently. If the workplace coverage for a family would be unaffordable, the employee would need to stay on the employer plan, while the spouse and kids would be covered by the marketplace \u2014 and eligible for subsidies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because there is no one-size-fits-all solution for health insurance, families will have to split between multiple premiums and deductibles. Not everyone in the<\/span><a href=\"https:\/\/www.healthinsurance.org\/obamacare\/no-family-left-behind-by-obamacare\/\"><span style=\"font-weight: 400;\"> family glitch<\/span><\/a><span style=\"font-weight: 400;\"> will be covered.<\/span><\/p>\n<h4><strong>Other Types of Insurance to Consider<\/strong><\/h4>\n<p>Healthcare coverage isn&#8217;t the only insurance you&#8217;ll need as a retiree or pre-retiree. And certain insurance plans can help you live out your golden years as worry-free as possible \u2013 a worthy investment in your well-deserved break from workaday reality:<\/p>\n<ul>\n<li><strong>Long-Term Care Insurance:<\/strong> From house call professionals who can help with daily activities to home modifications like ramp and grab bar installations, long-term care can help you live comfortably and independently as long as possible.<\/li>\n<li>\n<p class=\"ui header\"><strong>Early Retirement Medical Insurance and Supplemental Medicare Insurance:<\/strong> If you are retiring before age 65, you need to brace against the potentially exorbitant costs of insuring yourself until you qualify for Medicare. The right Medicare supplemental insurance plan can reduce your out of pocket expenditures. However, supplemental medicare is complicated and has the potential to lead to a lot of confusion. Professional advice may help you find the right solution for your situation. It is also important to evaluate your coverage every year since policies can change and your health needs also evolve.<\/p>\n<\/li>\n<li><strong>Dental and Vision Insurance:<\/strong> It\u2019s the unfortunate truth: some parts of our bodies just don\u2019t work the same way as we get older. That&#8217;s why both Vision and Dental insurance could be a huge cost-saver for older Iowans. <a href=\"https:\/\/www.medicare.gov\/coverage\/dental-services.html\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare doesn\u2019t cover most routine dental care or procedures<\/a>, though its Part A Hospital Insurance may pay for certain services you receive while hospitalized.\u00a0<a href=\"https:\/\/www.medicaid.gov\/medicaid\/benefits\/dental\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">Medicaid\u2019s dental coverage varies by state<\/a>, but there are no minimum coverage requirements for adult patients. Vision insurance will also cover the costs of routine preventative eye care, such as screenings for glaucoma, macular degeneration, and cataracts<\/li>\n<\/ul>\n<h4><b>Final Thoughts<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">If you&#8217;ve been putting off signing up for marketplace health insurance, now is the time to do it! Additional insurance may seem like an unnecessary expense, but should something go wrong, you\u2019ll be happy to have it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We know that 2023 is a lot to think about, but if you plan ahead and get your fiduciary advisor involved, you can be ready to face any challenges that come your way. So what are you waiting for? Talk with your <a href=\"https:\/\/johnsonwim.com\/our-team\">Fiduciary advisor<\/a> today about getting covered for all your retired life needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Johnson Wealth and Income Management, we want you to have the best year yet\u2014and that starts with planning for your insurance for 2023.<\/span><a href=\"https:\/\/johnsonwim.com\/contact\"><span style=\"font-weight: 400;\"> Contact us today to get started<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr class=\"wp-block-separator\" \/>\n<p>All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth &amp; Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth &amp; Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth &amp; Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2021 Sound Income Strategies.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re retired, you need insurance. But where do you start in this overwhelming market? And what types of coverage do you need? Here&#8217;s what you need to know for those approaching retirement in Iowa.\u00a0 No one wants more bills to pay, especially when you\u2019re on a fixed or limited income. But insurance is something [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":null,"header-above-stick-meta":null,"header-main-stick-meta":null,"header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[186,147,131,130,148,73,161,38],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Insurance Do I Need for 2023?<\/title>\n<meta name=\"description\" content=\"If you\u2019re retired, you need insurance. 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But where do you start in this this overwhelming market? And what types of coverage do you need? 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