Published on September 24, 2014

The Health Insurance Marketplace^® makes it simpler to search out high quality, inexpensive protection. Millions of Americans have already gotten protection, many for the primary time.

Here are 14 issues it’s best to know in regards to the Marketplace:

1. No matter what state you reside in, you should utilize the Marketplace. Some states function their very own Marketplace, and in different states the Marketplace is run by the federal authorities. You can join 2015 Marketplace protection as quickly as November 15, 2014.
2. Health insurance policy provided via the Marketplace are run by non-public corporations.
3. Every well being plan within the Marketplace gives the identical set of important well being advantages, together with physician visits, preventive care, hospitalization, prescriptions, and extra.
4. You can evaluate your choices within the Marketplace and see what your premium, deductibles, and out-of-pocket prices shall be earlier than making a decision to enroll.
5. After you fill out a Marketplace utility you’ll be taught in the event you’re eligible for decrease prices in your month-to-month premiums. Most individuals who apply for well being protection via the Marketplace will qualify for some form of financial savings.
6. You can apply for Medicaid or the Children’s Health Insurance Program (CHIP) via the Marketplace any time of 12 months. These packages present free or low-cost protection to thousands and thousands of Americans with restricted incomes, disabilities, and sure household conditions.
7. If you qualify for a Special Enrollment Period, chances are you’ll apply for well being protection via the Marketplace outdoors the Open Enrollment Period.
8. Insurance plans provided via the Marketplace can’t deny you protection due to pre-existing situations like most cancers or diabetes, and so they can’t cost men and women totally different premiums.
9. In the Marketplace, you typically can get dental protection as a part of a well being plan or by itself via a separate, stand-alone dental plan.
10. You should report sure qualifying life modifications to the Marketplace, equivalent to in the event you get married or divorced, have a baby or undertake a baby, or have a change in your revenue. After you report life modifications to the Marketplace, you’ll get a brand new eligibility discover that may clarify in the event you qualify for a Special Enrollment Period and decrease prices.
11. Members of federally acknowledged tribes and Alaska Natives can enroll in Marketplace protection any time of 12 months, and so they can change plans as typically as as soon as a month.
12. If you will have an income-generating enterprise with no workers, you’re thought of self-employed and might get protection via the Marketplace.
13. Even in case you have entry to a pupil well being plan, you may select to purchase a well being plan via the Marketplace as a substitute. You might qualify for decrease prices based mostly in your revenue.
14. If you don’t agree with a call the Health Insurance Marketplace^® makes, like whether or not you’re eligible to purchase a plan or whether or not you’re eligible for decrease prices based mostly in your revenue, you might be able to attraction the choice.