Open enrollment underway for health insurance plans

Open enrollment underway for health insurance plans

The marketplace is a key part of the Affordable Care Act.

When asked about how the 1322 waivers will play out, Mr. Southwell said, "At least 40 states have already extended short term health insurance durations to between six to 12 months, demonstrating a commitment to finding affordable insurance solutions for their citizens so we should expect even more creative solutions from the various states using 1322 waivers".

"That is why I am introducing the ENROLL Act to safeguard the vital service health care Navigators provide to our neighbors before, during and after open enrollment". The credits are only available if you buy insurance on the marketplace. The Trump administration has slashed funding by 80 percent since 2016 for health care Navigators who help our neighbors find the best policy in the HealthCare.gov Marketplace.

Those changes come in the form of new legislation from the Trump administration making it easier for people to enroll in short-term plans offered by private insurers or to opt out of buying health insurance altogether. Plus the Trump administration has set new rules promoting short-term health plans that could have lower premiums but also likely will not cover many basic medical expenses or preexisting conditions. Health insurance offered on the state marketplace has to meet certain requirements like accepting people with pre-existing conditions, the department said.

Enrollees can choose one of eight Highmark Blue Cross Blue Shield of DE plans that are available for purchase in 2019 or they will be automatically re-enrolled in a plan that is similar to the one they now have. For 2018, that's between $16,753 and $48,560 for an individual or between $34,638 and $100,400 for a family of four. That includes financial assistance for people who qualify for things like Advance Premium Tax Credits (APTCs), which lower the cost of premiums.

The state's campaign involves $450,000 - comprised of funding from DOBI, the Department of Health and the Department of Human Services - to conduct outreach, advertise the open enrollment period, and other promotions. The same three companies that offered plans this year are offering plans for 2019: Anthem, Harvard Pilgrim and Ambetter.

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Since 2014, Obamacare has helped some 800,000 uninsured New Jerseyans obtain health coverage; at least 500,000 were added to the state's Medicaid or NJ FamilyCare program and another 300,000 have purchased coverage through the state's individual market, which was revamped through the law to provide more complete, lower-cost policies. The PHIS Call Center will be available to assist consumers enrolling for their 2019 health plan.

Blue Cross Blue Shield of Arizona is the only insurer offering coverage in other counties. All marketplace plans are exclusive provider organizations (EPOs), meaning they do not provide out-of-network benefits, with few exceptions. "If you have questions, a licensed health insurance agent can help you explore your choices and also help you determine if you're eligible to receive financial assistance paying your premium". For the 82 percent of Delawareans who now receive financial assistance, the average premium after tax credit is $122 per month. "It is confusing and there are some new products available that will further confuse people", he said.

The overall current average monthly premium in DE is $750, with the average premium reduced to $223 per month after tax credit.

The deadline to enroll in a plan is December 15 so don't delay!

It's time for consumers who buy their own health insurance to start shopping for policies for next year.

"Through my ENROLL Act, we can ensure that our neighbors keep receiving help finding the right health insurance plan for them". For 2018, the maximum penalty will not exceed $2,085 per household.

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