The Health Insurance Marketplace is HERE!
Open enrollment began October 1, 2013-March 31,2014
To help you get ready, check out these FAQ's
What is the Health Insurance Marketplace?
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.
The Marketplace will also tell you if you qualify for free or low-cost coverage available through CT HUSKY HEALTH. Most Americans will be eligible to use the Marketplace.
The Health Insurance Marketplace is sometimes known as the health insurance "exchange."
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.
You can apply for insurance from the Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Downloadable and paper applications will be available October 1, 2013.
In Connecticut our Marketplace is called ACCESS HEALTH CT. To learn more go to:
What plans will the Marketplace cover?
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.
How will it work?
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.
What are my health coverage options if I’m unemployed?
If you’re unemployed you may qualify for Medicaid, the Children’s Health Insurance Program (HUSKY), or lower costs on Marketplace insurance based on your income.
Your options depend on your household income
Your household size and income, not your employment status, will determine what health coverage options you’re eligible for and how much help you get paying for coverage.
When you apply for Marketplace coverage you will report your current income and estimate your income for 2014.
Learn about how to estimate your income.
Your health coverage options
Based on your income, you may qualify for any of the following:
Medicaid provides coverage to millions of Americans with limited incomes or disabilities. Each state’s Medicaid rules are different. CT's Medicaid is expanding to cover more people. You can apply for CT Medicaid now to see if you are eligible.
Or you can fill out a Marketplace application as soon as October 1, 2013 to find out if you will qualify in your state in 2014.
HUSKY Health: HUSKY Health is the State of Connecticut’s public health coverage program for eligible children, parents, relative caregivers, elders, individuals with disabilities, adults without children, and pregnant women. Eligibility criteria vary. There is no family income limit for coverage for children under age 19.
HUSKY Health encompasses: HUSKY A (Medicaid for children/parents/relative caregivers/pregnant women); HUSKY B (non-Medicaid Children’s Health Insurance Program); HUSKY C (Medicaid for the Aged/Blind/Disabled, also known as Title 19 and including Long-Term Care services); and HUSKY D (Medicaid for Low-Income Adults).
You can apply for HUSKY right now to find out if you’re eligible. Or you can fill out a Marketplace application as soon as October 1, 2013 to find out if you’re eligible in 2014. For more information visit:
Lower costs on Marketplace insurance. You may qualify for lower costs for monthly premiums and out-of-pocket costs on private insurance based on your household size and income. Some people with very low incomes may wind up paying very small premiums — or no premiums at all. You can apply for Marketplace insurance as soon as October 1, 2013. Coverage can begin as soon as January 1, 2014.
FOR MORE INFORMATION ON ALL THE ABOVE AND TO FIND OUT HOW YOU CAN QUALIFY PLEASE VISIT CT HEALTH INSURANCE MARKETPLACE (EXCHANGE) AT:
Follow the link below to get a fun overview of the Health Reform Law (Better known as The Affordable Care Act, The ACA or Obamacare)
Content Source: Healthcare.gov