As Wisconsin’s open enrollment period for health insurance begins, Insurance Commissioner Nathan Houdek is encouraging farmers and families across the state to take action. With approximately 312,000 Wisconsin residents uninsured, Houdek stresses the importance of exploring affordable health coverage options now.
“While Wisconsin is fortunate to have a competitive health insurance market, there are still many people without coverage,” Houdek said. “This open enrollment period is the perfect time to explore the options available for you and your family.”
Farmers, in particular, face unique challenges in securing health insurance. As self-employed individuals, they often lack employer-provided benefits, making it essential to explore coverage options through healthcare.gov. Houdek emphasized that many farmers can access affordable health insurance, especially with available subsidies.
“Farmers have diverse needs and financial situations, so it’s crucial to understand the options that best fit their family’s health care requirements,” Houdek said. “Healthcare.gov offers a range of plans, and many are available at reasonable rates due to subsidies.”
For those uncertain about where to start, Houdek encourages farmers to take advantage of free resources like 2-1-1, which provides one-on-one guidance from insurance experts.
Despite the variety of options, Houdek acknowledged that the process can be overwhelming. “Health insurance is complicated, and farmers may need additional support to navigate the choices,” he said. “That’s why working with an expert is so important.”
Farmers should also be cautious about potential scams during this time. Houdek warns against unsolicited sales calls or robocalls, stressing the importance of relying on trusted sources for accurate information.
When considering coverage, Houdek recommends that farmers pay close attention to deductible costs, co-pays, and prescription drug coverage. “These factors can vary greatly, and it’s important to ensure that the plan you choose meets your specific needs,” he noted.
The open enrollment period for individual and family health insurance runs through January 15. However, to ensure coverage starts on January 1, applications must be submitted by December 15. Houdek urges residents to act sooner rather than later.
“Don’t wait until the last minute,” Houdek advised. “Now is the time to reach out, ask questions, and make sure you’re getting the best coverage for the upcoming year.”
Houdek encourages those already covered to review their options, as yearly changes may offer better coverage or lower costs. “Even if you like your current plan, it’s worth comparing options to see if there are improvements or savings,” he added.