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Pinnacle Family Insurance
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      • Reviews
      • Where do we cover?
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Pinnacle Family Insurance

(623) 826-4258


  • Home
  • More Information
    • Health | Dental | Vision
    • Annutities
    • Life Insurance
    • Disability Insurance
    • Reviews
    • Where do we cover?
    • Buisness Coverage

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Sign up to hear from about changes to the ACA Marketplace!

Your trusted guide in the marketplace

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Pinnacle Family Insurance simplifies the complex world of health insurance by providing expert guidance through the marketplace and connecting you with medical solutions that fit your family's needs and budget. We're your personal advocates in navigating enrollment, understanding benefits, and ensuring you get the most value from your health insurance investment. 

Dental

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Medical

Our dental plans provide coverage for routine cleanings, preventive care, and major procedures, helping you maintain healthy smiles without breaking the bank. We'll help you find the right dental coverage that fits your budget and ensures your family has access to the dental care they need, when they need it. 

Vision

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Vision

Pinnacle Family Insurance offers vision insurance plans that keep your family's eyesight and eye health a priority without straining your budget. Our vision coverage includes routine eye exams, prescription glasses, contacts, and even discounts on corrective procedures, ensuring clear vision for life's important moments. 

Are you aware of Marketplace changes?

Rates are increasing!

Early 2026 rate filings show statewide average proposed increases with double-digit rate hikes, ranging from 10% in Oregon to 24% in Rhode Island for ACA marketplace plans. Employers anticipate 2026 to see the biggest healthcare cost increase in over a decade Employers anticipate 2026 to see biggest healthcare cost increase in over a decade | HFMA, driven by rising medical costs, prescription drug expenses, and policy changes that are contributing to these significant premium increases. These substantial rate hikes represent a major escalation in healthcare costs that will impact both individual consumers and employer-sponsored health plans. 

Open enrollment ends Dec 15th for 2027 Enrollment period

 Important Update: Open enrollment for 2027 health insurance coverage has been shortened and will now run from November 1 through December 15, 2026, eliminating the entire month of January that was previously available for enrollment. This gives you one month less time to review plan options, compare costs, and make your health insurance selection for next year. We strongly recommend starting your enrollment process early to ensure you have adequate time to choose the best plan for your needs before the December 15th deadline. 

Aetna leaving the ACA Marketplace

 Aetna has announced it will be leaving the ACA marketplace for the 2026 plan year, citing unsustainable cost trends as the reason for their departure. If you currently have Banner|Aetna coverage, your plan will continue through December 31, 2025, but you'll need to select a new insurance carrier during the November 2025 open enrollment period. This exit will affect approximately one million people nationwide, so it's crucial to start researching alternative plan options early to ensure continuous coverage for 2026. 

Important Information to Know

Why Enrollment Dates Matter for the Health Insurance Marketplace

Enrollment dates are critical when it comes to securing health insurance through the Health Insurance Marketplace. The Open Enrollment Period is the designated time each year when individuals can sign up for, renew, or make changes to their health insurance plans. Missing this window can mean going uninsured for the year or waiting months until the next opportunity to enroll.

Unless you qualify for a Special Enrollment Period—triggered by life events like losing other coverage, getting married, having a baby, or moving—you generally cannot sign up for coverage outside of open enrollment. This can lead to financial risk in case of unexpected medical needs and limited access to affordable care.

Being aware of and acting within enrollment dates ensures you’re protected, avoid penalties (in some states), and maintain access to subsidies or cost-sharing reductions if you qualify.

What is a Special Enrollment Period (SEP)?

Special Enrollment Period (SEP):
A SEP is a time outside the annual Open Enrollment Period when you can sign up for health insurance due to major life changes like losing coverage, marriage, having a baby, moving, or changes in income.

Why It Matters:
SEPs provide a vital safety net, helping you avoid gaps in coverage during life transitions. You usually have 60 days after the event to enroll.

The 15th of the Month Rule: What It Means

When you qualify for a Special Enrollment Period, the day you submit your application plays a big role in when your health insurance coverage will begin.


If you enroll on or before the 15th of the month, your coverage will usually start on the first day of the following month.


For example, if you apply on June 10, your coverage would begin July 1.

However, if you enroll after the 15th of the month, your coverage won’t begin until the first day of the second following month.


So, if you apply on June 18, your coverage would not start until August 1.


This means even a small delay in applying can push your coverage start date back by a full month, leaving you without insurance for longer than expected.

What is Open Enrollment?

 Open Enrollment is the period each year when you can sign up for, renew, or change your health insurance plan through the Health Insurance Marketplace.

For most states, Open Enrollment runs from November 1 to January 15.


  • If you enroll by December 15, your coverage usually starts January 1.
     
  • If you enroll after December 15 but before January 15, coverage typically starts February 1.
     

This is the main window to get coverage unless you qualify for a Special Enrollment Period due to a life event like losing insurance, having a baby, or moving.

Open Enrollment is approaching!

Don't forget about open enrollment! Mark it in your calendars and contact us when its time so we can help you navigate the marketplace.

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Open Enrollment is here!

Open Enrollment has started and you need to get insured! Contact us today so we can help you!

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