Open Enrollment for the Health Insurance Marketplace begins this week

Henrietta Strickland
November 4, 2018

Members of New Hampshire's Democratic congressional delegation are urging residents to carefully consider their health insurance options under the Affordable Care Act.

Florida has traditionally led the nation in enrollment, with about 1.7 million enrolled in plans this year.

DE now has about 24,500 people enrolled in the state health care marketplace.

"We recognize some families may have to face hard decisions this fall, and we will be visiting all 102 counties for the second year in a row to discuss coverage and answer questions", Hammer said. "The SCC's Bureau of Insurance has tools available that Virginians can use to determine the type of plan that best meets their needs". "We want to make sure consumers are aware of all their options". According to Ommen, the ACA tax credit subsidy system will produce affordable coverage for many Iowans whose household incomes fall below 400% of the federal poverty level.

"A lot of the short-term plans exclude emergency services, majority exclude maternity care, some exclude hospitalization", Hattemer warns. About 85 percent of Louisiana residents qualified for a subsidy this year.

If someone calls about offering health insurance policies, be wary if they say they represent the "national enrollment center", the "national health care center", or any other official-sounding name. New to the mix of carriers this year is Oscar Health, which is offering competitively priced bronze and silver plans.

Off marketplace plans have all the essential benefits offered by ACA plans, but they don't provide financial assistance.

Governor Phil Murphy this week announced the launch of Get Covered New Jersey, a state public awareness campaign to promote the Affordable Care Act's 2019 open enrollment period, which runs from November 1 through December 15.

This year, consumers can also sign up for short-term insurance plans.

"These plans are intended as fillers when you're in between jobs".

But Castor said signing up for health insurance will be more hard this year because President Donald Trump and Republicans in Congress have made "massive cuts" to outreach and enrollment programs.

"President Trump's Administration took action to address the skyrocketing price of health insurance, and now we are starting to see the results", said Seema Verma, administrator for the Centers for Medicare and Medicaid Services, in a news release. For small group plans, costs are expected to increase 0.1 percent.

But some analysts say that premiums are flat or dropping next year because insurers overpriced their plans in 2018 because of uncertainty over the future of ACA. Health care experts say there are more short-term plans, limited plans and high-deductible plans available, but those plans have some serious drawbacks. It cut the advertising budget for the Affordable Care Act enrollment period by 90 percent, from $100 million in 2016 to $10 million in 2017 and in 2018 and has cut funding for navigators by 79 percent since 2016, resulting in New Jersey receiving over $1.5 million less to conduct outreach for 2018. It also said in a statement that the exchanges have become more familiar to Americans seeking health insurance, somewhat reducing the need for federally funded navigators.

Other reports by Click Lancashire

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