We are hearing from a lot of people who have completed the enrollment process but are have not yet heard from their insurance company so they don’t know if they are covered. The best thing to do in that case is to contact the customer service department at your plan. You can use this website to find that contact information (https://data.healthcare.gov/dataset/QHP-Customer-Service-Phone-Numbers/vryg-tdzf).
Tammy, you may want to see if there is a multi-state plan available in your marketplace. Blue Cross Blue Shield is the company that is offering the multi-state plans. They are currently in 33 states and have a broader network, but I don’t know if Rhode Island is one of them.
C, many states do have laws that require hospitals to provide free or low-cost medical care to people with low incomes. You can check the rules where you live at your state's department of insurance.
Lura, because we're so close to the end of open enrollment I wouldn't wait. Call Healthcare.gov today to see if you can get some help/confirmation that things are progressing with your application. You may have to wait for a bit to get through to someone -- it's frustrating but stick with it.
Barb, it sounds like you are caught in the hole where you do not make enough money to qualify for a federal subsidy, but your state has not expanded Medicaid. The law assumed that all states would expand Medicaid so the subsidies are only available for people that are 100% of the federal poverty level or higher ($11,490 for an individual). If you make below that you are not eligible for a premium subsidy, but since you live in Florida, you may also not qualify for Medicaid. There are not a lot of great options for you to get health insurance, unfortunately. You will not be responsible for a penalty for not having insurance, however.
Charlene B, it sounds to me like you and your husband should be eligible for discounted health insurance at a much lower cost than what you're currently paying. You need to get onto Healthcare.gov today to explore your options so you don't miss out on signing up for subsidized insurance before open enrollment ends on March 31st.
Unfortunately, you would not be covered for the month of April. You need to sign up for insurance in the first half of the month in order for it to take effect by the beginning of the following month. It takes some time for the marketplace to transfer your information to the insurance company and for the insurer to collect premiums before coverage can be effective.
Sally, go to Healthcare.gov. That's where you need to go to sign up for coverage and you should start the process today so you don't run the risk of missing out before open enrollment ends on March 31st.
If you qualify for premium tax credit, the only way to take advantage of it is to buy insurance through your state's government-run health insurance exchange.
If your state has expanded Medicaid and you want to see if you qualify, you should apply through your state’s marketplace. In addition to determining whether you qualify for a premium subsidy and helping you choose a plan, the marketplace will help determine whether you qualify for Medicaid and if so, it will transfer your information to the state Medicaid program for enrollment.
If you are living outside the country for the majority of the tax year you will not be required to buy a plan or pay a penalty for going without insurance coverage. I’m not sure of the process for claiming this exception, but I think you would do that when you file your taxes.
Tre, your son may qualify for subsidized health insurance. Being unemployed, he might also have qualified for Medicaid, but unfortunately, Oklahoma is not expanding its program. I suggest you go onto Healthcare.gov to explore his options right away. Many people living in states not expanding Medicaid fall into a gap in which they earn too much to qualify for Medicaid but too little to qualify for financial help to buy a private plan. If that's the case for your son he will be exempt from having to pay the penalty for not having health insurance.
If your coverage does not begin until May 1st, unless you qualify for Medicaid, you would not be reimbursed for previously incurred expenses.
Ernie, Covered California is the name of the health insurance exchange set up in the state of California under the ACA. If you go there for coverage you'll be signing up for an ACA health plan.
You still have to use your household income even if you are applying for coverage for only one person.