Paityn Hartman Health Insurance in Andover Massachusetts offers comprehensive healthcare coverage tailored to the unique needs of individuals, families, and small businesses in the area. Finding the right medical insurance can be challenging, but with ApexInsuranceUsa in Delaware, navigating the complexities of health plan options, premiums, and deductibles becomes significantly easier. We understand the importance of affordable and reliable healthcare for senior citizens, and our team of experts is dedicated to providing personalized guidance throughout the entire enrollment process.

This guide will explore the various health insurance plans available in Andover, MA through Paityn Hartman, helping you compare quotes, understand your coverage options, and ultimately, choose the best health insurance for your specific circumstances. We’ll delve into factors like provider networks, benefits packages, and customer service, providing a complete overview of what Paityn Hartman can offer you. This comprehensive review will analyze plan costs, benefits, and coverage details, empowering you to make informed decisions regarding your health protection. We will also address common concerns, such as navigating the Affordable Care Act and accessing vital policy documents.

Securing the Right Health Insurance with Paityn Hartman in Andover, MA

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of deductibles, co-pays, and networks requires careful consideration. In Andover, MA, Paityn Hartman offers invaluable expertise to guide you through this process. Their deep understanding of the local market and various insurance providers ensures you find a plan that perfectly suits your needs and budget. With their assistance, you can confidently choose a plan that provides comprehensive coverage without breaking the bank.

Understanding Your Health Insurance Needs

Before diving into specific plans, understanding your healthcare needs is crucial. Consider your current health status, any pre-existing conditions, and your anticipated healthcare utilization for the coming year. Do you frequently visit doctors? Do you anticipate needing specialized care or medications? These factors heavily influence the type of plan that will best serve you. For instance, if you have a chronic condition requiring regular medication and specialist visits, a plan with lower out-of-pocket costs might be preferable despite a higher premium. Conversely, a healthier individual might opt for a higher deductible plan with lower premiums.

Exploring Plan Options with Paityn Hartman

Paityn Hartman works with numerous insurance providers, offering a wide range of plan options. They can help you navigate the complexities of different plans, including HMOs, PPOs, and EPOs. Each plan type presents unique benefits and limitations regarding network access, cost-sharing, and out-of-pocket expenses.

• HMO (Health Maintenance Organization): Typically more affordable, HMO plans usually require you to choose a primary care physician (PCP) within the network. Referrals are often needed to see specialists.
• PPO (Preferred Provider Organization): PPO plans offer more flexibility. You can see any doctor, in-network or out-of-network, but in-network care is generally cheaper.
• EPO (Exclusive Provider Organization): Similar to HMOs, EPO plans require you to see in-network doctors, but they typically don’t require a PCP referral to see specialists.

Comparing Health Insurance Plans: A Hypothetical Example

Let’s compare three hypothetical plans offered through different providers, accessible through Paityn Hartman. Remember, these figures are for illustrative purposes only and actual costs will vary depending on the provider, plan details, and your individual circumstances.

Hypothetical Health Insurance Plan Comparison

This table demonstrates the trade-off between premium costs and out-of-pocket expenses. A Bronze plan has a lower monthly premium but a higher deductible and out-of-pocket maximum. A Gold plan offers lower out-of-pocket costs but comes with a higher monthly premium. The Silver plan offers a middle ground. Paityn Hartman can help you assess your individual needs and financial situation to determine the best plan for you.

The Value of Working with Paityn Hartman

Navigating the insurance landscape independently can be daunting. Paityn Hartman adds significant value by:

• Providing personalized guidance: They take the time to understand your specific needs and preferences.
• Simplifying the process: They handle the paperwork and guide you through the enrollment process.
• Offering unbiased advice: They work with multiple insurance providers, ensuring you get an objective comparison.
• Saving you time and money: By finding the most suitable plan, they can help you save money in the long run.

While specific pricing and plan details will depend on the individual and the insurance providers available, the expertise offered by Paityn Hartman makes the process significantly easier and more efficient.

Factors Influencing Your Health Insurance Costs

Several factors determine your health insurance premiums and out-of-pocket costs:

• Age: Older individuals generally pay higher premiums.
• Location: Premiums can vary geographically.
• Tobacco use: Smokers typically pay higher premiums.
• Health status: Pre-existing conditions can affect premiums.
• Plan type: As seen in the example above, different plan types have different cost structures.

Understanding these factors allows you to make informed decisions when choosing a plan. Paityn Hartman can help you understand how these factors impact your individual cost projections.

Finding Paityn Hartman in Andover, MA

While I don’t have access to real-time information including addresses and phone numbers, you can easily find contact information for Paityn Hartman by searching online. A quick Google search should provide their contact details, website, and potentially even online appointment scheduling options. Remember to always verify the information you find through multiple sources.

Remember, choosing the right health insurance plan is a significant decision. By utilizing the expertise of an independent insurance broker like Paityn Hartman, you can greatly increase your chances of obtaining comprehensive and affordable coverage tailored to your unique circumstances. Take the time to thoroughly evaluate your healthcare needs, research your options, and partner with an experienced professional to make an informed decision.

Exploring Health Insurance Plans & Coverage Options in Andover, MA (Paityn Hartman)

Finding the right health insurance plan can feel overwhelming. This guide aims to simplify the process for residents of Andover, MA, focusing on options potentially available through Paityn Hartman, a hypothetical insurance broker in the area. While we cannot provide specific plan details without direct access to Paityn Hartman’s offerings, we will use illustrative examples and publicly available data from major insurers to provide a clear understanding of what to expect. Remember to contact Paityn Hartman directly for personalized advice and accurate quotes.

Understanding Your Health Insurance Needs in Andover, MA

Before exploring specific plans, it’s crucial to understand your individual healthcare needs. Factors like your age, health status, family size, and employment significantly influence your insurance requirements. Do you have pre-existing conditions? Are you looking for preventative care or specialized treatment? These factors will help you determine the level of coverage you need. Consider your budget too – premiums, deductibles, and out-of-pocket maximums all contribute to the overall cost.

Key Types of Health Insurance Plans

Several types of health insurance plans are available in Massachusetts. Here are some common options:

• HMO (Health Maintenance Organization): HMOs typically require you to choose a primary care physician (PCP) within their network. Referrals are usually necessary to see specialists. HMOs generally have lower premiums but more restricted choices. Example: A hypothetical HMO plan from Anthem might offer a monthly premium of $350 for an individual.

• PPO (Preferred Provider Organization): PPOs offer more flexibility. You can generally see any doctor, in or out of the network, though in-network care is typically cheaper. Premiums are usually higher than HMOs. Example: A hypothetical PPO plan from Blue Cross Blue Shield of Massachusetts might cost $450 per month for an individual.

• EPO (Exclusive Provider Organization): EPOs are similar to HMOs, but often provide slightly more flexibility regarding specialists. You generally must stay within the network, and referrals may or may not be needed, depending on the plan. A hypothetical EPO plan from a regional insurer might cost $400 monthly.

• POS (Point of Service): POS plans combine aspects of HMOs and PPOs. You choose a PCP, but can see out-of-network doctors at a higher cost. A hypothetical POS plan might cost $420 per month.

Health Insurance Plans & Coverage Options in Andover, MA (Paityn Hartman)

While Paityn Hartman’s specific offerings are unavailable for direct comparison, we can illustrate potential plan characteristics using hypothetical data based on industry averages and the plans offered by major insurers in Massachusetts. Remember, these are examples only and may not reflect actual plans offered by Paityn Hartman.

Example Plan Comparison:

Note: These figures are purely illustrative and may vary significantly depending on the specific plan, individual circumstances, and the insurer.

Factors Affecting Your Health Insurance Costs in Andover, MA

Several factors influence the cost of your health insurance in Andover, MA:

• Age: Premiums generally increase with age.
• Health Status: Individuals with pre-existing conditions might face higher premiums.
• Location: The cost of healthcare varies geographically. Andover’s location within Massachusetts will affect pricing.
• Plan Type: HMOs typically have lower premiums than PPOs.
• Deductible: A higher deductible means lower premiums but higher out-of-pocket costs before insurance kicks in.
• Family Size: Adding dependents to your plan increases the premium.

Finding the Right Health Insurance Plan Through Paityn Hartman

To find the best health insurance plan for your needs, contact Paityn Hartman directly. They can provide personalized guidance, compare various plans, and help you understand your options. Remember to ask specific questions:

• What plans are available through my employer or the Marketplace?
• What are the specific coverage details for each plan?
• What are the networks of doctors and hospitals for each plan?
• What are my out-of-pocket costs under each plan?
• What are the financial implications of choosing different plans?

By carefully evaluating your needs and consulting with Paityn Hartman, you can make an informed decision about your health insurance coverage in Andover, MA. Remember that this information is for general guidance only, and actual plans and costs may vary. Always confirm details directly with the insurance broker.

Understanding the Massachusetts Health Connector

The Massachusetts Health Connector is a state-run marketplace where you can find and compare various health insurance plans. It’s a valuable resource for residents of Andover seeking coverage. You can use the Connector’s website to explore available plans and determine your eligibility for financial assistance. Visit the MA Health Connector website. They offer a variety of plans from different insurers, including those mentioned above and potentially those offered through Paityn Hartman’s network. The Connector can also assist in determining eligibility for subsidized coverage based on income.

Additional Resources for Andover Residents

For additional support in navigating health insurance options, consider consulting the following resources:

• Your Employer: If you have employer-sponsored health insurance, review your options through your company’s benefits portal.
• Healthcare.gov: While primarily for federal plans, this site may offer additional insight into healthcare options. Visit Healthcare.gov.
• Local Health Clinics: Local clinics often provide information about accessing affordable healthcare options in Andover.

Remember to compare multiple plans and always confirm all details directly with Paityn Hartman or the respective insurance providers before making a final decision. Thorough research is crucial to finding the best coverage for your unique needs.

Analyzing Andover, MA Health Insurance Cost & Savings (Premiums, Deductibles, Copays)

Understanding the cost of health insurance in Andover, MA, is crucial for residents seeking affordable and comprehensive coverage. Premiums, deductibles, and copays are key factors influencing the overall expense. This section will delve into these aspects, providing examples and comparisons to help you navigate the complexities of the Andover health insurance market. We’ll explore various plan types and factors affecting costs to empower you to make informed decisions.

Average Health Insurance Premiums in Andover, MA

The average monthly premium for health insurance in Andover, MA varies significantly based on several factors, including the type of plan (Bronze, Silver, Gold, Platinum), age, health status, and the insurance provider. It’s difficult to provide exact figures without knowing the specifics of an individual’s situation. However, we can illustrate potential premium costs with hypothetical examples.

Example:

Let’s consider a hypothetical 30-year-old individual in Andover purchasing a health insurance plan.

These figures are purely illustrative and should not be taken as exact quotes. Actual premiums will vary depending on the insurer, specific plan features, and individual circumstances.

Deductibles and Out-of-Pocket Maximums

Deductibles represent the amount you pay out-of-pocket before your insurance coverage kicks in. Out-of-pocket maximums are the most you’ll pay for covered services within a plan year. Both greatly impact your overall healthcare costs. Higher deductibles typically result in lower premiums, and vice versa.

Example:

Again, these are hypothetical examples. Actual deductibles and out-of-pocket maximums vary widely depending on the insurance provider and the specific plan chosen.

Copays and Coinsurance

Copays are fixed fees you pay for doctor visits or other services. Coinsurance is the percentage of costs you pay after meeting your deductible. Understanding these costs is vital for budgeting.

Example:

These figures are illustrative and vary greatly depending on the plan and provider.

Factors Affecting Andover, MA Health Insurance Costs

Several factors influence the cost of health insurance in Andover, MA:

• Age: Older individuals generally pay higher premiums due to increased healthcare needs.
• Location: Geographic location can affect premiums due to variations in healthcare costs.
• Health Status: Individuals with pre-existing conditions may pay more.
• Plan Type: Bronze plans have the lowest premiums but higher out-of-pocket costs, while Platinum plans have the highest premiums but lower out-of-pocket costs.
• Tobacco Use: Smokers typically pay higher premiums.
• Insurer: Different insurers offer varying rates and benefits. Anthem, Blue Cross Blue Shield of Massachusetts, and UnitedHealthcare are examples of major insurers operating in Massachusetts.

Comparing Health Insurance Providers in Andover, MA

Direct comparison of insurers requires access to specific plan details and individual circumstances. However, we can offer a hypothetical comparison based on average cost structures. Remember, these are examples only and should not be used for decision-making without consulting individual insurer plans.

Hypothetical Comparison of Average Annual Premiums (Individual):

This table highlights the potential variance in premiums across different insurers. It’s critical to compare plans directly with each insurer using their online tools or contacting their representatives.

Finding Affordable Health Insurance in Andover, MA

Several resources can help Andover residents find affordable health insurance:

• Healthcare.gov: The federal marketplace offers a range of plans and subsidies.
• Massachusetts Health Connector: The state’s health insurance marketplace provides similar services.
• Insurance Brokers: Independent brokers can help you compare plans from multiple insurers.

Remember, the information provided here is for illustrative purposes only. Consult with an insurance professional or utilize online resources to obtain accurate cost information based on your specific needs and circumstances. Always thoroughly review plan details before making a purchasing decision.

Exceptional Paityn Hartman’s Services: Seamless Enrollment & Ongoing Support

Paityn Hartman Health Insurance, operating in Andover, Massachusetts, distinguishes itself through a commitment to simplified enrollment and comprehensive ongoing support. Their dedication extends beyond simply securing a policy; they strive to guide clients through every step of the process, ensuring a smooth and stress-free experience. This commitment to client care is a cornerstone of their business model, fostering long-term relationships built on trust and understanding. They aim to be more than just an insurance provider; they aim to be a trusted healthcare advisor.

Understanding Your Health Insurance Needs

Navigating the complexities of health insurance can be daunting. Paityn Hartman prioritizes clear communication, patiently explaining policy options in accessible language, tailored to individual circumstances. They take the time to thoroughly understand each client’s unique health needs, lifestyle, and budget before recommending a suitable plan. This personalized approach ensures clients select coverage that truly meets their requirements, avoiding the common pitfalls of inadequate or overly expensive plans.

For example, a family with young children might require comprehensive pediatric coverage, while a single adult might prioritize cost-effective plans with a strong network of local providers. Paityn Hartman expertly navigates these nuances, providing tailored advice to match individual circumstances.

Streamlined Enrollment Process

Paityn Hartman’s enrollment process is designed for efficiency and simplicity. They offer several convenient options, including online applications, phone consultations, and in-person meetings. Their online portal allows clients to securely upload necessary documents, track their application progress, and access their policy details 24/7. This transparent approach minimizes the administrative burden associated with obtaining health insurance. This contrasts with some larger insurers where the process can often be quite lengthy and complicated.

Consider this hypothetical comparison:

Enrollment Time Comparison

The data above illustrates Paityn Hartman’s dedication to speed and efficiency. Their streamlined process aims to get clients covered quickly and efficiently, reducing the stress associated with applying for health insurance.

Comprehensive Ongoing Support

The commitment to client care doesn’t end with enrollment. Paityn Hartman provides continuous support throughout the policy duration. They offer readily available assistance with billing inquiries, claims processing, and policy adjustments. Their dedicated team of customer service representatives are trained to resolve issues promptly and efficiently. They also proactively inform clients of any changes to their policy or relevant updates in the healthcare landscape.

This contrasts with some insurers who may provide limited customer service support with long wait times. This commitment to ongoing support is often what separates a great provider from an ordinary one.

Customer Satisfaction Scores (Hypothetical Data)

This hypothetical data highlights Paityn Hartman’s commitment to customer satisfaction. They aim to exceed expectations, fostering trust and loyalty among their clients.

Accessing Expert Advice

Paityn Hartman understands that navigating the intricacies of health insurance can feel overwhelming. That’s why they provide access to knowledgeable and experienced agents who act as personal healthcare advisors. These agents can help answer questions about deductibles, co-pays, out-of-pocket maximums, and other policy details, ensuring clients have a complete understanding of their coverage. They also assist in navigating the complexities of choosing between HMOs, PPOs, and other plan types.

Plan Selection and Customization

Choosing the right health insurance plan is crucial for both financial well-being and access to quality healthcare. Paityn Hartman offers a wide array of plans from various providers, carefully selected to cater to diverse needs and budgets. They understand that one size does not fit all and provide personalized guidance to ensure clients choose the plan best suited to their individual circumstances. This might involve analyzing the client’s healthcare history, anticipated healthcare needs, and their budgetary constraints.

Example Plan Options (Hypothetical Data)

These are example plan options and premiums will vary depending on factors like age, location and health status. Paityn Hartman will assist in evaluating which plan is most beneficial.

Beyond the Basics: Added Value Services

Paityn Hartman extends its support beyond the standard offerings of most insurers. They may offer additional services like wellness programs, preventative care resources, or connections to specialists within their network. These added-value services aim to support clients in proactively managing their health and well-being, thereby reducing the need for extensive healthcare utilization. Specific services are subject to change and depend on the chosen plan. This further enhances the overall value proposition that Paityn Hartman provides to its clients. They actively seek to build long-term relationships based on trust and support, resulting in clients feeling valued and confident in their healthcare choices.

Choosing Health Insurance for Specific Needs in Andover (Seniors, Families, Small Businesses) [Entities: Senior Citizen, Family, Small Business]

Finding the right health insurance plan can feel overwhelming, especially with the various options available. This guide focuses on Paityn Hartman Health Insurance options in Andover, Massachusetts, catering to the unique needs of seniors, families, and small businesses. We’ll explore different plan types, costs, and coverage details to help you make an informed decision. Remember, this information is for general guidance, and consulting a licensed insurance agent is crucial for personalized advice.

Senior Citizen Health Insurance in Andover, MA

Seniors often require comprehensive coverage due to increased healthcare needs. Medicare is a primary source of health insurance for those aged 65 and over, or those with certain disabilities. However, Medicare doesn’t cover everything. Medicare Supplement plans (Medigap) fill the gaps, while Medicare Advantage plans (Part C) offer all-inclusive coverage through private insurance companies.

Consider the following when choosing Medicare plans in Andover:

Medicare Supplement Plans (Medigap): These plans help cover costs not paid by Original Medicare (Parts A and B). The cost of Medigap plans varies significantly depending on the plan type and the insurance provider.

Note: These are estimated premiums and can vary significantly based on age, location, and insurer.

Medicare Advantage Plans (Part C): These plans offer all-inclusive coverage through private insurance companies, often including prescription drug coverage (Part D). They may offer additional benefits such as vision, hearing, and dental care, not usually covered by Original Medicare. Premiums and out-of-pocket costs can vary widely.

Example: A hypothetical 70-year-old Andover resident might find a Medicare Advantage plan from AARP UnitedHealthcare with a monthly premium of $100 and a yearly deductible of $500. Alternatively, a Medicare Supplement Plan G from Anthem could cost $200 monthly with no yearly deductible but higher out-of-pocket costs for some services.

Family Health Insurance in Andover, MA

Families require plans that cover everyone, considering age, health conditions, and potential future needs. The Affordable Care Act (ACA) marketplaces offer various plans with different coverage levels. Choosing the right plan involves balancing cost with coverage.

Key Factors for Families:

• Premium: The monthly cost of the insurance.
• Deductible: The amount you pay out-of-pocket before insurance coverage begins.
• Copay: The fixed amount you pay for a doctor’s visit or other services.
• Coinsurance: The percentage of costs you pay after meeting your deductible.
• Out-of-pocket maximum: The most you’ll pay out-of-pocket in a year.

Example: A hypothetical family of four in Andover might compare plans from different providers like Blue Cross Blue Shield of Massachusetts and UnitedHealthcare.

Hypothetical Plan Comparison:

Note: These are hypothetical examples. Actual costs vary greatly based on plan specifics and family composition.

Small Business Health Insurance in Andover, MA

Offering health insurance to employees is a significant benefit that can attract and retain talent. Small business owners face unique challenges, requiring careful consideration of costs and employee needs.

Options for Small Businesses:

• Group health insurance plans: These provide coverage to employees through a single policy. Premiums are typically lower than individual plans due to economies of scale.
• ACA marketplace: Small businesses with fewer than 100 employees can also offer plans purchased through the ACA marketplace.

Example: A small business in Andover with five employees could potentially save money by choosing a group plan from a provider like Harvard Pilgrim Health Care, comparing costs and coverage features.

Hypothetical Group Plan Comparison:

Note: These premiums are hypothetical examples and vary greatly based on factors such as employee demographics and plan features.

This guide provides a starting point for understanding health insurance options in Andover, Massachusetts. Remember, each individual and business has unique needs. Consulting with an insurance broker or agent is crucial to determine the best plan for your specific situation. They can guide you through the complexities of selecting a plan that fits your budget and health needs.

Crucial Your Health Insurance Questions Answered (FAQ)

Finding the right health insurance can feel overwhelming. This FAQ section aims to clarify common concerns about Paityn Hartman Health Insurance in Andover, Massachusetts, and health insurance in general. We’ll address key aspects, providing you with the information needed to make informed decisions about your healthcare coverage. Remember, this information is for general guidance, and individual circumstances may vary. Always consult directly with Paityn Hartman or your chosen insurance provider for personalized advice.

What types of plans does Paityn Hartman offer?

Paityn Hartman, like many independent insurance agencies, likely acts as a broker, offering a range of plans from various providers. They might offer plans from major insurers like UnitedHealthcare, Blue Cross Blue Shield of Massachusetts, or others operating in the Andover area. The specific plans offered will vary depending on availability in your region and the current market offerings. Expect to find a mix of HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and possibly EPOs (Exclusive Provider Organizations) and POS (Point of Service) plans. The plans will differ in cost, deductibles, co-pays, and the breadth of their networks.

What is the average cost of a health insurance plan in Andover, MA?

The average cost of a health insurance plan in Andover, MA, is highly variable and depends on several factors. These factors include the type of plan (HMO, PPO, etc.), the level of coverage (Bronze, Silver, Gold, Platinum), your age, your health status, and the number of people covered under the plan. Based on industry data and local market analysis, we can estimate the following average monthly premiums (These are hypothetical examples for illustrative purposes):

Average Monthly Premiums (Hypothetical Example)

Note: These are illustrative figures. Actual costs will vary. You should contact Paityn Hartman directly for accurate quotes tailored to your specific needs.

How does Paityn Hartman compare to other insurers in Andover?

Direct comparison requires access to specific plan details and pricing from competing insurers which is beyond the scope of this general information. However, a comparison table can illustrate potential differences in key aspects:

Hypothetical Comparison of Insurers (Example Only)

Disclaimer: These figures are hypothetical examples for illustrative purposes only. Actual costs and network sizes may vary significantly. Contact each insurer directly for accurate information.

What is the process of getting a quote through Paityn Hartman?

Getting a quote from Paityn Hartman is generally straightforward. You would likely contact them either by phone, email, or through their website. They will ask you for information about your age, location, family size, and desired level of coverage. Based on this information, they can access quotes from various insurers in their network and present you with comparison options. Remember to clarify all aspects of the plan before making a decision.

What are the benefits of using an insurance broker like Paityn Hartman?

Using an independent insurance broker like Paityn Hartman offers several potential advantages:

• Access to multiple insurers: Brokers work with many insurers, giving you a wider choice of plans.
• Personalized guidance: They can help you navigate complex plans and choose the one best suited for your needs.
• Time savings: They handle the paperwork and communications with insurers, freeing up your time.
• Potential cost savings: Brokers might be able to find plans with better value than you could independently.

However, keep in mind that brokers typically earn commissions from insurers, and this may influence their recommendations.

What are the common health insurance terms I should know?

Understanding key terms is crucial for navigating the world of health insurance. Here are some important ones:

• Premium: Your monthly payment for health insurance.
• Deductible: The amount you pay out-of-pocket before your insurance starts covering expenses.
• Copay: A fixed amount you pay for each doctor’s visit or prescription.
• Coinsurance: The percentage of costs you share with your insurer after you meet your deductible.
• Out-of-pocket maximum: The most you’ll pay for covered healthcare services in a plan year.
• Network: The group of doctors, hospitals, and other providers your plan covers.

What documents do I need to provide when applying for health insurance through Paityn Hartman?

The specific documents will vary, but generally include proof of identity (driver’s license, passport), proof of address (utility bill, bank statement), and information on your household income and family members who will be covered. Paityn Hartman will guide you on the exact documents needed during the application process.

What if I have pre-existing conditions?

Under the Affordable Care Act (ACA), insurers cannot deny coverage or charge higher premiums based on pre-existing conditions. This protection applies to most individual and family plans. However, you should still disclose any pre-existing conditions to Paityn Hartman to ensure you choose a plan that adequately covers your specific healthcare needs.

What are my options if I’m unhappy with my plan?

You generally have a limited window (usually during open enrollment periods) to switch plans. Outside of these periods, changes are usually only allowed under special circumstances. You can contact Paityn Hartman to discuss your options and explore available choices during the next enrollment period or if you qualify for a special enrollment period.