Delegation promotes Affordable Care Act enrollment

Can how you vote in the midterms bring down the cost of health care?

Mayor Bowser Kicks Off DC Health Link's 2019 Open Enrollment Period

Open enrollment for Affordable Care Act coverage starts Thursday across most of the country.

The marketplace is a key part of the Affordable Care Act.

"This work was critical to combat the Trump Administration, whose action to undermine the ACA has left states no other choice but to take the lead in insuring the protections provided by the ACA are maintained and that residents have access to quality health care", said Marlene Caride, the Department of Banking and Insurance commissioner.

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

The penalty attached to the individual mandate - the official name for the requirement that you buy insurance - goes away for 2019.

If you purchase health insurance through the federal marketplace, your cost may be reduced if you are eligible for an advanced premium tax credit (APTC).

"For young people, who are often purchasing insurance for the first time, restoring this funding would mean that they would once again get the impartial, expert guidance that only Navigators can provide, and could help those who don't know about open enrollment and the ACA marketplace find coverage before it's too late", Hemlin said. Many short-term or limited plans often don't cover people with pre-existing conditions. In addition, STLD health insurance plans may deny eligibility for coverage or exclude services because of pre-existing conditions and may apply daily, annual and lifetime dollar limits on the amount they will pay.

In May, the governor signed two laws created to shore up the insurance market, which experts said contributed to a 9.3 percent premium decline in individual-market policies for next year and could lead to another 15 percent cut in costs for 2020 plans. 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.

The overall current average monthly premium in DE is $750, reduced to $223 per month after factoring the tax credit.

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The state's campaign involves $450,000 - comprised of funding from DOBI, the Department of Health and the Department of Human Services - to conduct outreach, advertise the open enrollment period, and other promotions. New to the mix of carriers this year is Oscar Health, which is offering competitively priced bronze and silver plans.

"When choosing a new health plan for coverage beginning January 1, 2019, it's important to consider more than just premium cost".

There is a chart comparing ACA-compliant plans and STLD plans available at the link in the Related Links box. Below are five steps to receive coverage under the Affordable Care Act.

First, ask for details of any policy, including premiums in writing, and making sure purchasers understand the plan.

The overall current average monthly premium in DE is $750, with the average premium reduced to $223 per month after tax credit. Individuals who are already enrolled should check to see if their current plan is still the most affordable or the best suited to their needs. For the 82 percent of Delawareans who now receive financial assistance, the average premium after tax credit is $122 per month.

These reports indicate that 68,259 New Mexicans submitted an application, and 49,792 selected a plan.

"Lack of awareness about coverage options, particularly financial help and deadlines, is one of the biggest barriers in reaching the remaining uninsured".

"Through my ENROLL Act, we can ensure that our neighbors keep receiving help finding the right health insurance plan for them. In most states OEP will end before the 2019 plans take effect, so enrollees won't have a chance to change their minds about their coverage once the 2019 calendar year begins".

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