Top 5 Things to Know about Open Enrollment

1 WHEN

November 1, 2019 – December 15, 2019 (some states may extend their deadlines, but in order to have coverage that begins January 1, you must enroll by December 15)

2 WHERE

Always start with HealthCare.gov. If your state uses their own website, HealthCare.gov will guide you there. HealthCare.gov or your state-based marketplace can only sell ACA plans, so you can rest easy knowing you’re getting a comprehensive plan that will be there for you when you need it.

3 WHAT

Comprehensive coverage at an affordable price. HealthCare.gov plans must include key benefits like mental health care, maternity care, prescription drug coverage and hospitalization services. In addition to good coverage, most marketplace shoppers will qualify for a discount based on their income. Last year, more than 8 in 10 shoppers could get a plan for less than $100/month.

4 WHY

Peace of mind, financial security and access to comprehensive care. There are so many reasons to sign up for affordable, comprehensive coverage, join the millions who have gained health insurance thanks to the ACA!

5 HOW

Enroll online, over the phone, or in-person. Log on to the official ACA marketplace at HealthCare.gov, or CuidadodeSalud.gov, call the marketplace call center at 1-800-318-2596, or make an appointment for in-person assistance through the Find Local Help Tool in Healthcare.gov website.

Important Facts to Know

Financial assistance is still available for low and middle-income consumers to help lower the cost of their plan. In fact, more than 8 out of 10 consumers last year qualified for a tax credit.

Premium price increases for 2020 are expected to be much lower than previous years (projected at .1% nationally), and some states will even see price decreases. Increased insurer participation also indicates that the marketplace is stabilizing.

All of the consumer protections created by the ACA are still intact, and all plans sold by HealthCare.gov must provide comprehensive coverage and cannot charge a consumer more because of their health status or medical history. Plans outside the ACA marketplace don’t have to offer the same protections, so always make sure to use HealthCare.gov when enrolling in coverage.

KEY MESSAGES

  • Affordability is Key. Cost remains the biggest barrier to coverage and low awareness of the tax credit remains a big information gap.
  • Coverage may be more affordable than you think. More than 8 in 10 people who enroll through Healthcare.gov qualify for financial help.
  • A person making $25,000 a year could qualify for a bronze plan for just $22 a month with tax credits.
  • Discounts based on income are available to keep your health plan affordable.
  • Plans and prices change every year, so it’s important to check out your options and see what’s available, even if you’ve looked before – you might have a better deal than you expect.
  • Get Peace of Mind: Comprehensive coverage & consumer protections haven’t changed. Promoting comprehensive coverage can help distinguish ACA plans from plans sold outside the marketplace, such as short-term plans, that provide fewer benefits and are not required to include consumer protections.
  • All plans sold on HealthCare.gov MUST cover key benefits like preventive check-ups, prescriptions drugs, hospitalizations, mental health care, and maternity care.
  • When shopping for a plan on HealthCare.gov, you cannot be charged more based on your health status.
  • When enrolling in an ACA plan, you will never be asked about your medical history. The only factors that influence the price of your plan are your geography, age, and whether or not you are a smoker.
  • Accidents can happen anytime – get peace of mind knowing you’re covered if the unexpected happens.

 

Enroll today at HealthCare.gov

DEADLINES

Like last year, the open enrollment period is shorter than it was the first four open enrollment periods. To make sure consumers don’t miss out, it’s very important to remind them of the December 15th deadline.

Open enrollment runs November 1 – December 15 in most states. Make sure folks know they MUST enroll by December 15 to have coverage for 2020!

The best plans and best prices are available on HealthCare.gov.

Enroll before December 15th.