Why do I need health insurance?
At CHI, we believe that having health insurance is one step toward a healthier, happier life. Health insurance is a service you pay for – there to help you maintain good health through preventive care and there for the unpredictable times of life when your health, or the health of a loved one, takes a turn for the worse. Thankfully, health insurance is available to millions more people now because of the Affordable Care Act. In fact, most new enrollees qualify for financial assistance that helps pay their monthly premiums, and some people even qualify for free care.
That’s why it’s important to enroll in health insurance.
The Affordable Care Act was created to ensure everyone can get the healthcare they need regardless of their budget, even if they are sick or have a prior health issue. In fact, it mandates that everyone must enroll in health insurance, otherwise they will be required to pay a fine. If you’re one of the remaining uninsured, or if you will be re-enrolling for new insurance coverage for 2017, you can begin shopping for an insurance plan that fits your needs and budget. For coverage starting in 2017, open enrollment begins November 1, 2016 and ends on January 31, 2017. New plans and new pricing are available for coverage in 2017.
How do I enroll?
The many ways to enroll, including the following:
Online at healthcare.gov
Over the phone at 1-800-318-2596
By a paper application found online at marketplace.cms.gov
Spanish speakers can find assistance at cuidadodesalud.gov
Which plan should I choose?
On healthcare.gov, you will be able to compare between different levels of healthcare plans from a variety of approved insurance providers. Each will have different amounts of coverage and different monthly premiums. Only one simple application is required. Inperson assistance is available to help you to compare plans and coverage options.
How much will health insurance actually cost?
The cost of health insurance depends on your age, gender, income and tobacco use as well as the plan you choose.
Visit getcoveredamerica.org/calculator/ to estimate the cost of your health insurance as well as the potential benefits.
What will my health insurance plan include?
All marketplace plans must cover the following list of preventive services without charging you additional fees– without a copay or coinsurance. Screenings are also available based on certain criteria and conditions, and all these services will be available through a provider in your designated health care network. If you have a preferred provider, your choice of insurance plans will be important. Check to ensure your providers participate in your new plan. Here are some of the services and screenings that will be available to you:
Preventative Screenings For All Adults
Preventative Screening For Women
Preventative Screenings For Children