Healthcare Reform

2024 open enrollment begins November 15, 2023. You must enroll or re-enroll in insurance by February 15th to avoid a tax penalty on your 2023 taxes.

About the Law

On March 23, 2010, President Obama signed the Affordable Care Act. The law put in place comprehensive health insurance reforms that put consumers back in charge of their health care. The Affordable Care Act is designed to make health care more affordable, accessible and of a higher quality, for families, seniors, businesses, and taxpayers alike. This includes previously uninsured Americans, and Americans who had insurance that didn’t provide them adequate coverage and security.

Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

Important Links for More Information on Health Care Reform:


  • Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
  • Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
  • Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
  • Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.


  • Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
  • Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
  • Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.


  • Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
  • Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
  • Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.


  • Between November 15 and December 15 for coverage with an effective date of January 1, 2024
  • Between December 16 and January 15 for coverage with an effective date of February 1, 2024
  • Between January 16 and February 15 for coverage with an effective date of March 1, 2024

You are only entitled to a special election of benefits to enroll or modify your policy after these dates for the following reasons:

  • Loss of coverage due to loss of job or change of job where you lose insurance benefits
  • Relocation that results in change of state residence
  • Birth or adoption of a child
  • Dependent loss of coverage

Note:  Termination of coverage due to non-payment is NOT a qualifier for a special election.

Start Saving Time and Money

R.A.K. Agency, Inc. wants to make insurance shopping as easy as possible. Begin the process by submitting your information through this website, and our agents will get to work.

Online Applications

As an independent insurance agency serving Illinois and Wisconsin, R.A.K. Agency, Inc. works with a wide variety of top-rated carriers. We can serve as your trusted partner and advisor, recommending the best plan for you, your family and your business, and helping you manage your insurance account throughout the year.

Trusted Partners and Advisors

We are a professional agency with personalized service. We firmly believe our world-class customer service is what distinguishes us.

Insurance for Businesses and Individuals

R.A.K. Agency, Inc. is your healthcare insurance solution for all personal and family needs, as well as your businesses employee benefits.

Choice of Providers and Carriers

We proactively shop the insurance marketplace to find you the best combination of cost and coverage. Save time, money and aggravation.

R.A.K. Agency, Inc. is your leading partner in healthcare insurance coverage.

Timely and Responsive

Time is a valuable asset, which is why we are timely and responsive with our communication.

Data Driven Cost Efficiency

Representing several carriers allows us to seek the best possible coverage packages at the best cost.

Personalized Services

We take a hands-on approach when assisting our clients, and advocate for their personalized needs.

Whether seeking individual or group insurance coverage, we’ll create a coverage plan based upon your specific requirements and needs.

Individual Insurance

Whether you need an annual policy or short term coverage, our individual policies will have you covered.

Family Insurance

We care about everyone, and know the importance of insurance coverage for the entire family.

Group & Business Insurance

Business Owners can count on us to develop cost effective employee benefits packages.

We don’t sell policies. We find the best ones for you.

Navigating through the health insurance marketplace is challenging. Having an expert to help you navigate the varied and rapidly changing options to find the right competitively priced health coverage can save you time, money and aggravation. Our services and expertise are at no cost to you.

Contact Info

(630) 443-8100

(630) 443-8030

Richard Kaufmann

Kurt Kaufmann


6N343 E. Ridgewood Dr. St. Charles, IL 60175


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