Todd Raffaeli HealthMarkets

Most people think open enrollment is just for seniors, but it’s crucial for anyone under 65 too! 🔔 Whether you're looking for individual coverage or family plans, this is your chance to lock in the best options for 2025. Here's what you need to know:

🕒 Open enrollment is your annual window to make changes
💡 Missing it could mean missing out on coverage
💰 Potential tax credits can lower your costs!

Need help navigating your options? 🤔 Let’s talk! I’ll guide you through the process and help you find the best plan—and my services are completely free! 📞💬

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

Navigating employee health benefits can be challenging, but choosing the right plan doesn't have to be! With ICHRA, your team can enjoy more flexibility and choice while helping you control costs.

👉 Swipe through to see how ICHRA stacks up against traditional group insurance:

- More choices for employees
- No participation requirements
- Better cost control for employers

Ready to make the switch? Contact me today to explore how ICHRA can work for your business—all at no cost to you! 💼✨

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

With open enrollment for those 65 and under quickly approaching, here’s a quick tip to ensure a smooth and speedy enrollment and review process!

Pro Tip: Gather Your Income Documents 💵

Here’s what you’ll need:
✅ Pay Stubs - Recent pay stubs for the last month or two.

✅ Tax Returns - Your most recent federal tax return (Form 1040).

✅ W-2 Forms - Copies of your W-2 forms from employers.

✅ 1099 Forms - If you're self-employed, include 1099 forms.

✅ Social Security or Pension Statements - If applicable, bring in these statements for any benefits received.

✅ Other Income Sources - Document any other income (e.g., rental income, investment earnings).

Having these documents on hand will make the enrollment process smoother and help determine your eligibility for subsidies and plans!

If you have questions about the enrollment process or need assistance, feel free to reach out! I’m here to help - completely free of charge!

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

Here are the top 5 most Googled questions about the Open Enrollment Period for those 65 and under—answered! 🤔
Open Enrollment starts on November 1st, and it can be tricky, but I’m here to help! Don’t miss the opportunity to make changes to your plan; or you may be stuck with your current plan for another year! 📅🚫 Call me today to schedule your review and ensure you have the coverage you need! 📞

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

Looking for a flexible, hassle-free way to offer health benefits? 🤔

QSEHRA allows small businesses to control costs while giving employees the freedom to choose the coverage that fits them best.

Swipe to see who qualifies for QSEHRA as employers and employees! Reach out today to learn more and start taking advantage of QSEHRA!

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent