Whether you're for it or against it, health care reform is on its way. In fact, it's closer than you think with open enrollment starting in less than a month. So what do you need to know about "Obamacare"? Read on for the first part in our five part series at Modern Workspace.
The Marketplace is a new way to find quality health coverage. It can help if you don’t have coverage now or if you have it but want to look at other options.
With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.
When you use the Health Insurance Marketplace, you'll fill out an application and see all the health plans available in your area. You'll provide some information about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs.
Most Americans will be eligible to use the Marketplace. Learn more about Marketplace eligibility.
The Health Insurance Marketplace is sometimes known as the health insurance "exchange."
You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Telephone help and online chat are available 24/7 to help you complete your application. Downloadable and paper applications will be available October 1.
Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014. Open enrollment ends March 31, 2014.
Learn about your options if you need coverage that begins before January 1, 2014.
Insurance plans in the Marketplace are offered by private companies. They cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can't charge women more than men for the same plan. Many preventive services are covered at no cost to you.
While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out who runs the Marketplace in your state by using the menu at the bottom of this page. If your state runs its Marketplace, you'll use your state’s website, not this one.
The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, and other features important to you before you make a choice. Plans will be presented in four categories – bronze, silver, gold, and platinum – to make comparing them easier.
In the Marketplace, information about prices and benefits will be written in simple language. You get a clear picture of what premiums you'd pay and what benefits and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.
Learn more about the Marketplace, and visit the page where the application will start on October 1, 2013.
Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)
If you need coverage, you can use the Marketplace. If you have coverage, you gain new protections. If you don’t have coverage, you may have to pay a fee.
Whether you’re uninsured, you’ve been denied coverage in the past, or you just want to explore new options, the Health Insurance Marketplace will give you more choice and control over your health coverage. The Marketplace will operate in all states, so no matter where you live you’ll have access to coverage.
In the Marketplace, you can compare coverage options based on price, benefits, quality, and other features important to you. You can choose the combination of price and benefits that fits your budget and meets your needs.
You can get lower costs on coverage: The Marketplace application will tell you if you’re eligible for a new way to get lower costs on your monthly premiums or out-of-pocket costs for private insurance. You’ll also learn if you can get free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Essential health benefits are covered in the Marketplace: All plans must offer a comprehensive set of essential health benefits including doctor visits, preventive care, hospitalization, prescriptions, and more.
Pre-existing conditions will be covered: Plans won’t be able to deny you coverage or charge you more due to pre-existing health conditions, including a pregnancy or disability.
You can get help in your area: If you need help finding a plan, several kinds ofhelp will be available to give you personalized assistance with the process.
Fees begin: Beginning 2014, most people are required to have health coverage. If they don’t, they may have to pay a fee.
Open enrollment for Marketplace plans begins October 1, 2013. Coverage begins as early as January 1, 2014. Find out how you can get ready now.
The health care law offers new rights, consumer protections, and benefits like free preventive care.