Affordable Care Act Marketplace open enrollment begins

Modesto Morganelli
Novembre 3, 2018

Now entering its sixth enrollment year, the marketplace is still an important route to affordable coverage for many in ME and across the country.

The Affordable Care Act open enrollment began on Thursday, and if you want your health coverage to start in January, you have to sign up or re-enroll in a plan in the ACA marketplace by December 15. In the past, consumers would pay a penalty if they were not enrolled in a health plan.

First, officials issued guidance on a new approach that makes it easier for states to get around some ACA requirements, including allowing the use of federal subsidies for skimpier plans that can reject people with pre-existing conditions.

"We have in-person assistance in about half the counties but we're providing enrollment assistance in all 67 counties by phone", said Ray.

"It makes sense to shop around because things change year to year", she said.

Department of Banking and Insurance Commissioner Marlene Caride sent a letter to community organizations, public and nonprofit agencies and grassroots organizations directing them to materials available for distribution in their communities. "There are a lot of plans where the prices went down".

She says there are several low-priced plans - and even plans with no premiums at all - that will give you a discount based on income. Most receive tax credits available for household incomes between 138% and 400% of the Federal Poverty Level.

You have other options for individual insurance coverage.

Off marketplace plans have all the essential benefits offered by ACA plans, but they don't provide financial assistance. Turek noted that they could also be a practical option for individuals who can't afford ACA coverage, but consumers should be sure they know what they're signing up for because short-term plans can have big gaps in coverage. Congressional and gubernatorial candidates continue to insist they support efforts to not bar people with pre-existing conditions from getting coverage or paying exorbitant rates.

As part of the Murphy Administration's new campaign to get more New Jerseyans insured during the Affordable Care Act's limited open enrollment period, State departments and agencies today took action to promote and encourage enrollment in health coverage during the six-week window. DOI reminds consumers that cost alone may not be the only factor to consider when selecting a plan.

Among the seven insurance companies that are offering ACA plans in Florida, rate increases range from 2.4 percent to 9.8 percent. Both of these change could weaken the exchanges where millions of Americans who don't get insurance from an employer or government program go to obtain coverage. It cut the advertising budget for the Affordable Care Act enrollment period by 90 percent, from $100 million in 2016 to $10 million in 2017 and in 2018 and has cut funding for navigators by 79 percent since 2016, resulting in New Jersey receiving over $1.5 million less to conduct outreach for 2018. That's compared with 28.1 million Americans without insurance the prior year.

"Consumers want lower costs, quality choices and a healthy insurance market and our health care Navigators can help them gain the right coverage for their needs".

Altre relazioniGrafFiotech

Discuti questo articolo

Segui i nostri GIORNALE