Individuals & Families

Health Insurance Marketplace

There are 3 key dates you'll want to mark on your calendar:


November 01, 2017:   Marketplace open enrollment starts

December 15, 2017:  Open enrollment ends
January 1, 2018:    Health coverage can start


Effective January 1, 2014, all U.S. Citizens will be required to have Health Insurance either provided through their employer or purchased on their own through the Health Insurance Exchange.


All employees who are interested in determining if they qualify for assistance must enroll through the website


Those that do not secure coverage will be subject to a penalty posed by the IRS.



For tax year 2017, the penalty is 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, up to a maximum of $2,085


If you are uninsured or will be losing employer sponsored coverage before January 1, 2018.






How Can CBIS Assist:

Healthcare reform through the Affordable Care Act can be an overwhelming concept to comprehend and navigate with its new regulatory compliance and changes in employee benefits. CBIS can help assist you in finding the right coverage and right budget that fits your household needs.

CBIS is aware that employers like you need to implement the new and complex changes while staying in compliance and avoiding penalties and unexpected costs.


In the past individuals and families could enroll anytime during the year for individual coverage.  There will only be one Open Enrollment period per year.  If you do not enroll during this period you will be subject to a penalty by the IRS.


Our downtown Utica team at CBIS has the tools, technology and the access to all the major carriers participating in the Health Insurance Exchange and to navigate through Health Care Reform.  Let CBIS take the worry out of reviewing the fine print of each available plan design. 


With one application, you can see all your options and enroll.  When you enroll through CBIS into the Health Insurance Marketplace we’ll help to determine if you can get lower costs on your monthly premium for private insurance plans as well as learn if you qualify for lower out-of-pocket cost.


In addition through CBIS we can tell you if you qualify for free to low-coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).


Through CBIS you can apply for Marketplace coverage three ways: online, by mail, or



Open Enrollment through the Affordable Care Act starts November 01, 2017.  Plans and prices will be available then!  Give us a call to set up your free consultation at our office in downtown Utica today!