Open enrollment for health insurance plans in the Affordable Care Act marketplace for 2019 coverage started Thursday and consumers will have less help navigating several changes that were put in place.
North Carolinians who are already enrolled in a HealthCare.gov plan will automatically get re-enrolled in 2019 coverage, but navigators are urging consumers to check back in to see if a more suitable plan is available.
"This work was critical to combat the Trump Administration, whose action to undermine the ACA has left states no other choice but to take the lead in insuring the protections provided by the ACA are maintained and that residents have access to quality health care", said Marlene Caride, the Department of Banking and Insurance commissioner. Two of the four health insurers are set to make reductions in monthly premiums from the rates they offer this year.
She says unlike Obamacare plans, the short-term plans also don't cover normal doctor visits and preventative care. 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.
Get Covered New Jersey is the first coordinated health coverage public awareness campaign conducted by the State of New Jersey since the implementation of the Affordable Care Act (ACA). "Consumers who choose short-term plans over traditional plans are rolling the dice a bit", McCostlin says.
In Central Texas, though, local groups that receive funding outside of federal grants are available to help.
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Though a major function of www.healthcare.gov is assessing whether individuals and families qualify for financial assistance to lower the cost of health insurance, Union County Hospital's application counselors can perform the same analysis and help with enrollment and re-enrollment. The site will include information about plan options, as well as contact information for navigators and enrollment assisters who can help residents access coverage. OEP provides consumers the ability to shop for new plans and enroll for coverage. "The Navigator program has been a critical resource in this effort to educate and empower consumers", said Erin Hemlin, Young Invincibles' director of training and consumer education.
The company will be joined by Wellmark Blue Cross and Blue Shield, the Des Moines insurer that announced it would be returning to the state's insurance exchange and offering ACA-compliant plans for 2019. For example, consumers may want to also consider a plan's provider network and whether the plan has the coverages they are accustomed to receiving. "If anyone signs up for a Sendero plan, they'll have coverage for all of 2019, and their plan won't change during the year", Hattemer says.
Kathy Ko Chin, president and CEO of the Asian & Pacific Islander American Health Forum, said "Navigators provide an essential role to the community by providing culturally and linguistically tailored outreach for communities of color, immigrants and limited English proficient populations".
"There's a lot of confusion around whether the Affordable Care Act still exists", said Hattemer. There are a number of factors, government rules, and provisions to take into account before purchasing health insurance. You might use an insurer's website or a third-party website.
Delaware's Health and Social Services Secretary Dr. Kara Odom Walker says despite some federal uncertainty the First State still encourages enrolling.