Health Insurance Marketplace
One of our roles as a healthcare provider is to help make our community healthier by providing relevant information and education. Here are the key facts you need to know about the Affordable Care Act:
- The Affordable Care Act requires everyone to have health insurance, effective January 1, 2014. The goal is to make coverage more accessible and affordable for people who don’t have health insurance or who have limited coverage.
- There are new, affordable insurance options available for people without insurance.
- All insurance plans have to cover doctor visits, hospitalizations, maternity care, emergency room care, and prescriptions.
- Financial help is available so it’s easier for people to find plans that fit their budgets.
- All insurance plans have to show the costs and what is covered in simple language with no fine print.
- Insurance plans can’t deny people for pre-existing conditions.
- Help is available online, by phone, and in person to help people find the plan that works best for them. Plus there’s support for every language that’s spoken in the United States.
For more information about the Affordable Care Act or about getting insurance through the Marketplace, visit the website at www.HealthCare.gov or call 1-800-318-2596.
- The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.
- Coverage can start as soon as January 1, 2015, if you enroll by December 15.
- Sign up for email updates to get important information and reminders to help you get ready for the next Open Enrollment period.
Most important dates for 2015 coverage:
- November 15, 2014: Open Enrollment starts — the first day you can apply for 2015 coverage
- December 15, 2014: The last date to enroll for coverage that starts January 1, 2015
- December 31, 2014: Date when all 2014 Marketplace coverage ends, no matter when you enrolled
- January 1, 2015: The date 2015 coverage can start if you apply by December 15, 2014, or if you accept automatic enrollment in your 2014 plan or a similar plan
- February 15, 2015: The last day to enroll in 2015 coverage. If you miss this deadline, you can’t sign up for a health plan inside or outside the Marketplace for the rest of 2015. The only exception is if you qualify for a Special Enrollment Period.
Medicaid, CHIP, and SHOP – apply any time
- There’s no limited enrollment period for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply any time.
- There’s also no limited enrollment period for small businesses to enroll in SHOP coverage for their employees. You can apply any time.
Next steps to get started
You can apply for 2015 Marketplace coverage starting November 15, 2014. Until then, there’s a lot you can do to get ready.
- See if you may qualify for premium tax credits and other savings on 2015 coverage. Our quick chart shows you income levels that qualify for savings on private plans and for Medicaid coverage.
- Coming in November: Preview 2015 plans and estimated prices, including savings you may be eligible for based on your income.
- Sign up for emails. Healthcare.gov willsend you important updates, reminders, and information about the Health Insurance Marketplace.
- Interested in applying for Medicaid or the Children’s Health Insurance Program? You can do that any time of year. Learn more about Medicaid and CHIP.
- Find a trained helper in your community who can sit down with you to answer your questions before you fill out an application. They can also help you apply for Medicaid or CHIP.
- Contact us. We’re available by phone to answer your questions 24 hours a day, 7 days a week at 1-800-318-2596 (TTY: 1-855-889-4325).
For 2014, the Open Enrollment period ended on March 31. While open enrollment for 2014 coverage is over, people still have options to get health insurance. Of course, you can purchase health insurance from a private company or an individual representative at any time. Here’s how you can still get coverage through the Marketplace or Medicaid/CHIP.
1. See if you qualify for a Special Enrollment Period — If you do, then you can buy a private health plan through the Marketplace. You can still get 2014 coverage in special cases, including:
- Marriage, birth or adoption
- A move outside your service area
- Loss of health coverage
- Applying for Medicaid or CHIP
- See more details
2. Apply for Medicaid and the Children’s Health Insurance Program (CHIP) — you can do this any time, all year. If you qualify you can enroll immediately.
3. Small businesses can apply for SHOP coverage any time, all year.
4. Members of federally recognized tribes and Alaska Native shareholders can enroll in Marketplace coverage any time of year. There is no limited enrollment period for these groups, and they can change plans as often as once a month.
If none of these options work for you, be aware that the Open Enrollment period for 2015 coverage begins on November 15, 2014.
Important: If you don’t have minimum essential coverage, you must either pay a fee or have an exemption from paying the fee. For more information about the Affordable Care Act or about insurance obtained through the Marketplace, visit the website at www.HealthCare.gov or call 1-800-318-2596.