Marketplace

Need health insurance coverage?  Look no further than the Health Insurance Marketplace.

As a certified Navigator entity, our staff are here to educate consumers about the Affordable Care Act and to assist consumers in enrolling in a Qualified Health Plan through the new Health Insurance Marketplace. The Health Insurance Marketplace, sometimes known as the health insurance "exchange," helps uninsured people find health coverage. When you fill out the Marketplace application we will be about to tell you if you qualify for:

  • Private health insurance. Plans cover essential health benefits, pre-existing conditions, and preventive care.
  • Lower costs based on your household size and income. You can preview plans available in your area right now, with prices based on your income and household size. Most people who apply will qualify for lower costs.
  • Medicaid and the Children’s Health Insurance Program (CHIP). These programs cover millions of families with limited income. If it looks like you qualify, we’ll share information with your state agency and they’ll contact you. Many but not all states are expanding Medicaid in 2014 to cover more people. Find out what Medicaid expansion means for you.

Most people must have health coverage in 2014 or pay a penalty. If you don’t have coverage, you’ll pay a fee of either 1% of your income, or $95 per adult ($47.50 per child), whichever is higher. You'll pay the fee on your 2015 income taxes. Some people qualify for an exemption to the fee, based on income or other factors. You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.

 

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