Obamacare changes to know with open enrollment underway

Henrietta Brewer
November 4, 2018

"It might seem like a plan is cheaper", Hattemer says, "but when you actually look at your income information and your situation there's a plan that actually gets you a lot more coverage for a lower price or similar price". "The plan you have might cost more or less this year". Regardless of which path you choose, private health coverage can only be purchased during the open enrollment period unless you qualify for a Special Enrollment Period.

"Plans outside of the healthcare.gov marketplace. might not include those and often times do exclude some of the things that people have come to expect their health insurance to include", Hattemer says.

With that federal fine scheduled to vanish in January, this year's marketplaces will furnish evidence for a long-simmering debate: How much of the nation's gains lately in health coverage have happened because of the law's insurance mandate, and will coverage tumble without it? In the past, consumers would pay a penalty if they were not enrolled in a health plan.

"For Delawareans who don't have access to health insurance through an employer or another form of coverage, the Health Insurance Marketplace offers them an opportunity to get covered", Gov. John Carney said. Last year, 85 percent of people in ME with marketplace plans qualified. The PHIS Call Center will be available to assist consumers enrolling for their 2019 health plan.

Tennesseans have until December 15th, 2018, to apply for or re-enroll in coverage for the 2019 calendar year.

Off marketplace plans have all the essential benefits offered by ACA plans, but they don't provide financial assistance.

"Through my ENROLL Act, we can ensure that our neighbors keep receiving help finding the right health insurance plan for them". And check with your doctor to make sure the plan is accepted at the office. "They're not meant to be long-term plans", said Packham.

Among the seven insurance companies that are offering ACA plans in Florida, rate increases range from 2.4 percent to 9.8 percent.

Bill Custer, a health insurance expert at Georgia State University, said that the cut in navigator funding may hurt rural areas that don't have Internet access. New rules created by the Trump administration allow more options, including less-expensive, bare-bones plans that lack the consumer protections found in Obamacare insurance.

"We're seeing rate decreases for the first time in quite a while in the Louisiana Individual Market", Louisiana Insurance Commissioner Jim Donelon said Thursday in a news release.

Last year, 90 percent of Texans buying insurance on the Obamacare marketplace received APTCs, according to the Kaiser Family Foundation.

Another big change for this enrollment period is the drastic cut in funding for the insurance counselors known as navigators, both in Georgia and nationally. The penalty is still in force for 2018, and when people pay their 2018 taxes they will pay a penalty for not having health insurance that is equal to the higher of these amounts: 2.5% of your annual household income or $695 per person ($347.50 per child under 18). That's compared with 28.1 million Americans without insurance the prior year.

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