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. They will also have options for longer duration short term health insurance plans that were not available previous year.
"When you're budgeting, you have to take into account all the costs", said Jodi Ray, director of Florida Covering Kids and Families at USF and director of Florida's navigator grant.
If you buy insurance on the individual market - either because you don't get insurance from your employer or you work for yourself - your best coverage options are likely still in the Obamacare market. Iowa requires longer duration short term plans to cover pre-existing conditions. "We can also undo some of the sabotage the Trump administration and Republicans in Congress and at the state level have done to our affordable health care". While the ACA provides states the opportunity to seek a waiver under Section 1332, sometimes called the State Relief and Empowerment Waiver, they have been hard to obtain.
"Governor Murphy's commitment to increasing the number of people with health insurance will certainly result in a stronger and healthier New Jersey, and the Department of Health is committed to doing everything it can to educate people about the need to be insured", Commissioner Elnahal wrote in his letter to providers.
Castor said, "Florida could not have led the nation in enrollment in the federal health insurance marketplace last year and in previous years without investment in outreach and unbiased consumer assistance like our Navigators provide. Consumers now have the freedom to shop outside of the ACA for health insurance they can afford without fear of a tax fine".
Plans on the marketplace are spread among metal-level categories - bronze, silver, gold, platinum and catastrophic - and are based on how enrollees choose to split the costs of care with their insurance company.
"A lot of the short-term plans exclude emergency services, majority exclude maternity care, some exclude hospitalization", Hattemer warns.
All plans cover essential health benefits such as coverage of pre-existing conditions, outpatient care, emergency services, hospitalization, prescription drugs, mental health and substance use disorder services, lab services, and pediatric services. Remember, you can always go online to HealthCare.gov if you want to be sure to get the protections offered in the marketplace plans.
Eighty-two percent of Delaware's current marketplace enrollees receive financial assistance to help pay their monthly premiums and/or deductibles and co-pays.
The overall current average monthly premium in DE is $750, reduced to $223 per month after factoring the tax credit.
Financial help is available for individuals with annual incomes up to $48,560; for a family of four the income limit is $100,400. If you don't have coverage for 2019, you'll be on your own for major health care costs, but you won't be penalized at tax time.
For people looking to purchase health insurance, the SCC has several tips.
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