Do you want Health Insurance?

Want Health Insurance? Do you have Health Insurance? Free quote! Apply by Dec 15th for a Jan 1 effective date. Apply by Jan 15th for a Feb 1 effective date. Get in touch with us today: call (828) 754-2601, Text 828-493-5821, Email or stop by our office at 916 Wilkesboro Blvd in Lenoir (beside Western Carolina Surveyors). #freequotes #bushandassociatesinsurance #healthinsurance #northcarolinahealthinsurance

The Time to Buy Health Insurance is Almost Over!

Don’t delay – the time to buy Health Insurance is almost O V E R!

It’s Annual Enrollment (AEP) for Affordable Care Act (ACA) Individual Health plans.  Currently it runs from November 1st 2022 through January 15th 2023.  This is the time that you can enroll in Health Insurance or make a change to an existing plan. 

AEP is the time period where you can take out a new Health plan or come off of COBRA to take out a new Health plan.  You can also enroll in an Individual Health plan even if you are offered group health insurance if the cost of the individual plan is less than what your employer offers. 

This is also the time to make updates to an existing plan and/or change plans if what you currently have isn’t working for you.  Things to update are: your projected household annual income or household size, address, email or phone number or if you need to make a coverage change.  When the Annual Enrollment for ACA is over, you cannot enroll in a Health Insurance plan again until the next time it comes around for 2024 unless you quality for a Special Enrollment period (SEP) during the year outside of AEP.  You can, still make any necessary updates to your Marketplace application during the year.

Need help with Health Insurance?  Then get in touch with us today so we can go over your choices!  Our quotes are free with no obligation!

~Bush and Associates was in the 2022 Marketplace ACA Elite Circle of Champions.  They have offered local area insurance products for over 42 years.  They specialize in ACA Individual Health, Vision, Dental, Cancer plans, Short-Term Health, Group Employment Benefits and more.  We offer quotes by Phone, Text, Email, Online, Mail or with an in office appointment.

What Can Bush and Associates do for you for Health Insurance?

Do you have Health Insurance? If you do not, did you know that you can only sign up for ACA Health Insurance during Annual Enrollment (for 2023 this runs Nov 1st, 2022 through Jan 15th, 2023) or if you have a Special Enrollment situation outside the annual enrollment time period. If you do have a plan, is it working for you and can you afford it?

Here are some FAQS to assist you!

CAN I ONLY GET INDIVIDUAL HEALTH INSURANCE DURING ANNUAL ENROLLMENT? No, you can get it during Annual Enrollment or outside of that with a Special Enrollment situation.

WHAT IS SPECIAL ENROLLMENT? Special Enrollment is a life changing event such as moving (zip codes), getting married or divorced, losing group health insurance through an employer, turning 26 and aging off of a parent’s plan, having a baby, etc. A special enrollment situation allows you to enroll in an individual health plan if it’s not annual enrollment.

CAN I GET AN INDIVIDUAL HEALTH PLAN IF I HAVE ACCESS TO GROUP INSURANCE AND/OR COBRA? If it is during Annual Enrollment and you currently have COBRA, you can go off the COBRA onto an Individual Health plan. If you have access to group insurance, if the cost of that insurance is more than a certain percentage (an Agent can give you more info on this and help you to figure this amount) then you can actually go on an Individual Health plan.

DO I HAVE TO HAVE AN INCOME TO GET ON THE MARKETPLACE FOR INSURANCE? Yes you have to make a certain amount in order to qualify for a subsidy (advanced premium tax credit) towards your health insurance premium and you also have to make under a certain amount as well depending on your household size and household income. You can get a plan “OFF” Marketplace without a subsidy and then income does not play a role in this premium.

WHAT IF I HAVE A HEALTH INSURANCE PLAN AND IT DOESN’T WORK FOR ME? Annual Enrollment is the time to explore a plan change and to compare what else is available.

WHAT IF I HAVE AN INDIVIDUAL HEALTH PLAN ON THE MARKETPLACE AND NEED TO MAKE UPDATES SUCH AS INCOME OR ADDRESS, ETC TO IT? Updates to your Marketplace account can be made any time, but Annual Enrollment is an excellent time to do this as well. It’s especially important to keep your Income, Address, Phone and Email address information updated and current.

HOW DO I GET HELP WITH MY CURRENT HEALTH INSURANCE PLAN? Contact your local Agent and schedule a time to look over your renewal for next year and/or check with your insurance company for any renewal information that’s been sent to you for the next year.

HOW DO I GET A HEALTH INSURANCE QUOTE? Contact us today for your FREE health insurance quote! There is no obligation. Just call us at (828) 754-2601, or Text Us at 828-493-5821, or email

#healthinsurance #annualenrollmenthealthinsurance #bushandassociatesinsurance #freequotes #northcarolinahealthinsurance

2023 Marketplace Circle of Champions!

Laura Bush-Sedlacek of Bush and Associates has been recognized by the Health Insurance Marketplace® as a member of the 2023 Marketplace Circle of Champions for helping consumers gain qualified health coverage. 

This Centers for Medicare & Medicaid Services (CMS) award highlights Laura Bush-Sedlacek’s success in actively enrolling 20 or more consumers during this Open Enrollment Period and demonstrates her expertise and experience in helping consumers find health coverage.

“Agents and brokers are key partners to CMS in our shared goals of helping expand access to coverage for Americans,” said Ellen Montz, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank Laura Bush-Sedlacek for her dedication to providing exceptional service and helping access coverage.”

This year’s Open Enrollment Period for applying for Marketplace coverage runs from Nov. 1, 2022, to Jan. 15, 2023. Consumers with questions about their coverage or who would like help enrolling can contact Laura Bush-Sedlacek at (828) 754-2601.

What is the Marketplace Circle of Champions?

CMS created the Marketplace Circle of Champions program to commemorate the hard work and commitment of Marketplace-registered agents and brokers throughout America. This award recognizes agents and brokers who have actively enrolled 20 or more consumers. Each year, thousands of agents and brokers reach the Marketplace Circle of Champions, highlighting their hard work, expertise, and service.

#northcarolinahealthinsurance #annualenrollmenthealthinsurance #healthinsurance #bushandassociatesinsurance #freequotes #individualhealthinsurance

Confused about insurance?

Let’s face it, insurance can be confusing! But it doesn’t have to be.

Get in touch with us today so that we can answer your questions and guide you in your coverage choices! We have been helping folks in Caldwell County and surrounding counties and even across the state of North Carolina with their insurance coverage since 1980!

Our quotes are always free with no obligation. So give us a call today at (828) 754-2601, or Text us at 828-493-5821, or email and let us help!

#northcarolinahealthinsurance #annualenrollmenthealthinsurance #healthinsurance #bushandassociatesinsurance #freequotes #individualhealthinsurance

Need Health Insurance?

If you need Health Insurance and missed Annual Enrollment, you may still qualify for a plan. You can qualify with a Special Enrollment such as loss of employer group coverage, pregnancy, marriage, divorce, moving, and in certain circumstances income. If you do not have a special enrollment situation, you may be eligible for Short-term Health. Get in touch with us today for more information and/or your free, no obligation, quote! Call (828) 754-2601, Text 828-493-5821, or email

What Medical Cards do you carry in your Wallet?

When you’re cleaning, don’t forget to clean out your wallet! This is where you probably carry your critical medical cards and maybe an insurance card or two. Perhaps, you even carry the business card of your insurance agent as well.

Do you know which cards to keep? Do you know which cards to carry with you?

If you have retired and are no longer on a group plan through work or even an individual health plan, once that plan ends you don’t need to carry it around with you. You should hang onto it, though, in case you need to refer to the ID number again for some reason.

If you have a Medicare card, make sure you have the new one that does not use your social security number on it. If you don’t have the new one, then call Social Security at 1-800-772-1213 for a replacement card. You will want to carry your Medicare card with you. Be sure to carry the most current one if you had to order a replacement card. Then if you have an insurance product to go along with your Medicare, be sure to carry that with you as well. And, if you have an insurance agent, be sure to keep their business card with you in case you need service for your policy or have a question.

If you are on a Group health plan, or an Individual Health plan then you will want to carry that ID card with you. Plus, if you have Dental or Vision, then carry that card too.

Carrying the correct information in your wallet can make it easier for you to access healthcare services easier. The most current cards help make sure your claims are filed more efficiently.

Taking a little time to organize your insurance papers in a folder or notebook at home too is also a good idea. Be sure to clean out your wallet as well!