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Get Coverage, Get Care

Open Enrollment for the Health Insurance Marketplace is just around the corner! Make sure you and your family are covered for 2017 and to avoid paying a penalty for not having insurance.

You have a choice of health plans and there is assistance available to help you find the plan that is right for you. The Marketplace is open to individuals, families, and small businesses with 50 or fewer eligible employees. Health insurance from the Marketplace includes a wide-ranging set of benefits.

When you fill out the Marketplace application, you can find out if you qualify for private insurance plans or if you qualify for lower costs based on your household size and income. If you don’t qualify for lower costs, you can still use the Marketplace to buy insurance. Plans cover essential health benefits, pre-existing conditions, and preventive care.

Even if you can get health insurance from your job or a family member’s job, you can still buy health insurance through the Marketplace, but you may have to pay the full price of the plan. To determine if you can receive financial assistance, the Marketplace application will ask:

  • Does your workplace plan pay for enough of your health care? Does the plan pay for at least 60 percent of health care costs (does the plan meet “minimum value”)?
  • Is your workplace plan too expensive? What is the cheapest plan that pays for at least 60 percent of health care costs? Would you have to pay more than 9.56 percent of your annual household income on the premiums for that plan to cover just yourself (and not any other family members)?

Key Dates to Remember

  • November 1, 2016: Open Enrollment for 2017 begins.
  • December 15, 2016: If you want to change plans, act by December 15 so your new coverage starts January 1, 2017.
  • December 31, 2016: Coverage ends for 2016 Marketplace plans.
  • January 1, 2017: Coverage can being for 2017 Marketplace plans.
  • January 31, 2017: Open Enrollment ends.

As a reminder, enrollment for Medicaid is open year round.

You Can Apply For Health Insurance in Several Ways
1. GO ONLINE to www.HealthCare.gov
2. CALL 1-800-318-2596 (24 Hours a day, 7 days a week)
3. Help is Available
Do you know of someone that needs assistance exploring their healthcare coverage options? Free in-person assistance is available across the state of Iowa at community health centers and other organizations. To find a local Certified Application Counselor or Navigator, visit https://localhelp.healthcare.gov
4. PAPER APPLICATION: Call the Health Insurance Marketplace to get an application or download a copy from www.HealthCare.gov