NY state health insurance marketplace open for enrollment

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And as part of a tax cut bill it passed a year ago, Congress weakened the mandatory coverage provision, leaving the future of the law in doubt. Plus the Trump administration has set new rules promoting short-term health plans that could have lower premiums but also likely will not cover many basic medical expenses or preexisting conditions. Open enrollment in ACA plans lasts until December 15.

"We're talking about how DE, in particular, could create recommendations to make sure we're protecting everyone to get coverage that they need and not be pushed into plans that really don't give them coverage, except maybe some catastrophic coverage", she said. That's compared with 28.1 million Americans without insurance the prior year.

They highlighted some of the available resources to help Mainers decide which plan is best for them.

The state will formally mark the Health Insurance Marketplace's sixth enrollment period with a press event at 1 p.m. November 5 at Westside Family Healthcare's Northeast Wilmington Health Center, 908-B E. 16th St. Westside is the only organization in DE to receive federal funding for navigators to help people enroll for coverage either in person or over the phone. Nationally, average premiums are going up only by low single-digit percentages for 2019. In signs that the marketplace's jitters have subsided in the past year, fewer areas of the country have only one insurer in their marketplaces. Insurers also are expanding their participation.

"From a consumer perspective, the experience should be pretty good", Kelley Turek, a policy specialist at America's Health Insurance Plans, told Axios.

"The cost of the plan doesn't factor in new tax credits that a person is eligible for, so go back to your application, update the information and resubmit it", said Anne Packham, the lead ACA navigator in Central Florida and marketplace project director for the Primary Care Access Network. But the shopping and buying experience will vary widely, depending on where people live. This year, some are more expensive, but some are cheaper. Blue Cross Blue Shield of Arizona will be the only insurance company selling plans in most Arizona counties this year, and will be selling plans in all counties except Maricopa.

Among the seven insurance companies that are offering ACA plans in Florida, rate increases range from 2.4 percent to 9.8 percent. The Marketplace can assist consumers that do not have health insurance through an employer, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage. "The plan you have might cost more or less this year".

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Short-term, limited duration options may offer lower premiums, but they won't cover as much. "This is the only time consumers can purchase a qualified, guaranteed issue, Major Medical Health Plan, without a qualifying event".

Ray said people should make sure they know what they are buying. After peaking at 205,666 patients in 2015, Arizona enrollment fell to 165,758 this year, a number that is expected to stay level in 2019. Overall, the marketplace prices are pretty stable compared to previous year.

With the federal funding being reduced for advertising, consumers may not be as readily aware of the condensed time period they have to get enrolled for coverage.

The overall current average monthly premium in DE is $750, with the average premium reduced to $223 per month after tax credit. This year's enrollment period, which begins Thursday, promises to be more mundane.

"We have in-person assistance in about half the counties but we're providing enrollment assistance in all 67 counties by phone", said Ray.

Open enrollment begins today for the Affordable Care Act, and local advocates worry that health insurance changes this year might confuse consumers and keep them from selecting the best plans for their health.

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