Friday, 24 November, 2017

Obama promotes health care law on first day of sign-ups

BayCare Health Care Navigators are available to offer free one-on-one assistance to help anyone understand their options and enroll in a plan Open Enrollment for Obamacare Starts Tomorrow. Here's What You Need to Know
Heather Davidson | 03 November, 2017, 01:09

More than 9 million people now have private plans through the ACA's government-sponsored markets.

Enrollment for health care begins November 1 and runs until December 15.

The window to enroll for health insurance under the Affordable Care Act is now open.

"That's been the primary fear: We're coming in and enrolling, but the subsidies that we're going to get for plans, are we really going to get them?" said Falguni Sen, director of Fordham's Global Healthcare Innovation Management Center.

"Most people who already have plans through the federal marketplace will be automatically re-enrolled, but Lodes urges customers to return to healthcare.gov since plan pricing and coverage changes every year". In the Lehigh Valley, you could pay nothing but co-pays or deductibles for some low-priced bronze plans.

She says another big change is premiums did go up, but so did the tax credits or tax subsidies.

Whereas a 2016 open enrollment email advertised that "n$3 ew, better or more affordable plans may be available to you", and "y$3 ou could save money by switching to a new plan", an email sent last week and obtained by the Post lacked any mention of cost savings. Silver plans will have an average deductible of just over $4,000 next year.

All plans cover essential health benefits such as coverage of pre-existing conditions, outpatient care, emergency services, hospitalization, prescription drugs, mental health and substance use disorder services, lab services, and pediatric services.

Subsidies - which are still available to those who qualify - are only available through the state exchange, but you can buy a plan on the exchange even if you don't qualify for subsidies. And for people seeking coverage in ACA marketplaces, now is the time to sign up.

The increase in premiums will be felt most by the 15 percent of the exchange population that is not eligible for APTCs. The rate of the lowest-cost bronze plan is rising 17 percent, on average, while the cheapest gold plan is going up 19 percent, according to the Kaiser Family Foundation. Last year, you had until after the holidays to sign up. Navigators also say they get busy as the deadline approaches, making it harder to schedule appointments with them.

"Spread the word to make sure everybody knows that it's time to get covered on HealthCare.gov, because this country works best when we look out for one another", he said in the clip released by Get America Covered, a coalition that is promoting the law.

"If you have all your documents, tax forms, a month worth of pay stubs, photo identification, you're in and out in half an hour", she said.

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