Thursday, 15 November, 2018


Open Enrollment for the Health Insurance Marketplace begins this week

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Patty Aguilar | 04 November, 2018, 21:58

The Affordable Care Act's insurance marketplaces open for a sixth year Thursday with more stable health plan choices and rates, plus significant tests of the effects of recent Republican moves to undercut parts of the law.

"There's a lot of confusion around whether the Affordable Care Act still exists", said Hattemer.

Insurance companies offering plans in 2019 are Healthy Alliance Life Insurance Company (Anthem), Ambetter from Home State Health (Celtic/Centene), Cigna and Medica.

The Department of Human Services is working with five community organizations that served as ACA navigators to help enroll people in health coverage. "The SCC's Bureau of Insurance has tools available that Virginians can use to determine the type of plan that best meets their needs".

You can contact the Florida Covering Kids & Families' Navigator program's office by visiting the USF Health Insurance Marketplace Navigator Program.

Check your eligibility. If you live in New Mexico, are not covered by an affordable health plan through work and are not covered by Medicare or Medicaid, you may enroll in a health care plan through beWellnm.

The SCC says though these policies cost less, they also generally cover less than an ACA-compliant marketplace plan and they are not subject to ACA rules such as requiring certain benefits like maternity care, mental health and substance use disorder services or coverage for prescription drugs.

While prices have stabilized, they are still 134 percent higher than the low opening-year premiums of 2014, but experts say they think enrollment will stabilize along with the market this year. If we want to help those "hard to reach" populations get covered, we need to invest in making sure they know that coverage is available and accessible.

Americans with incomes between 138 percent and 400 percent of the federal poverty level may qualify for federal subsidies to help pay for health insurance. For 2018, that's between $16,753 and $48,560 for an individual or between $34,638 and $100,400 for a family of four. Though decreases will bring down premium rates, an individual's out-of-pocket premium costs depends on several factors, including the amount of Advanced Premium Tax Credit subsidies; therefore, some consumers may experience an increase in out-of-pocket costs for coverage.

"With so much uncertainty in Washington, there are many people who don't realize that they can still get coverage through the marketplace and that there's financial assistance available to help them pay the monthly premiums for the plan they choose", said Department of Health and Social Services (DHSS) Secretary Dr. Kara Odom Walker. We'll also help with re-enrollment. Plan availability may vary across ZIP codes.

The marketplaces were meant to help individuals and families who can not get an affordable health plan through a job.

On January 21, 2018, Governor Murphy signed Executive Order Number 4, directing that all State entities that regularly interact with the public provide information regarding the Affordable Care Act marketplace and ways to enroll.

Nationally, average premiums are going up only by low single-digit percentages for 2019.

The overall current average monthly premium in DE is $750, with the average premium reduced to $223 per month after tax credit.

These reports indicate that 68,259 New Mexicans submitted an application, and 49,792 selected a plan. One bill created a state-based "individual mandate", or income-tax penalty for those who could afford coverage but did not purchase it; its objective is to replace a similar federal requirement that will expire this year.

Tennesseans have until December 15th, 2018, to apply for or re-enroll in coverage for the 2019 calendar year. The penalty for not having insurance expires at the end of this year.

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