For those considering health insurance for the first time, or those who've had health insurance but want to know what health care reform means for them, here's an overview of what's involved.
The Affordable Care Act introduces cost-sharing measures and advance premium tax credits (subsidies) to help make health insurance premiums more affordable and allow individuals to upgrade to plans with more benefits.
How much cost-sharing and subsidy you may qualify for depends on your gross annual income, household size and access to affordable health insurance either through your employer or government programs such as Medicaid and Medicare. If your employer's plan does not pay 60% of average medical costs or if your share of the premium is more than 9.5% of your income, you may qualify for a subsidy.
Regardless of the coverage you choose, health care reform requires that qualified health plans include essential health benefits that fall into the following ten categories:
• Ambulatory services
• Emergency services
• Maternity and newborn care
• Mental health and substance abuse services (including behavioral health)
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive/wellness services and chronic disease management
• Pediatric services, including dental and vision
Enrolling is simple and easy. You can enroll online 24/7.
When you get your free, no-obligation rate quote, we'll help you estimate any advance premium tax credit (subsidy) or cost-sharing reduction you may be eligible for through the government. We'll apply any estimated subsidy to your quote so you can see the reduced rate.
Use the tools and tips on the rate quote results page to compare prices and plan details. We also provide links to more information about our plans and assistance picking the right plan.
Once you pick a plan, you're ready to enroll!
It all starts with a free rate quote! Free Rate Quote Note: You only have a limited time to enroll.
The annual enrollment period is from 10/1/2013 to 3/31/2014. You can choose to have your coverage start between 1/1/2014 and 5/1/2014. Unless special circumstances apply, you will not have the opportunity to enroll again until 10/15/2014 through 12/7/2014 for coverage that starts 1/1/2015. That means you can't wait for a medical need to enroll.