We are quickly approaching the start of open enrollment, when millions of Americans will finally be able to apply for affordable, quality health coverage that will go into effect on January 1. But many people are still unsure of how and where they can apply for coverage. To help clear up the confusion, I sat down with two of our enrollment experts at Families USA—Rachel Klein, Director of our new National Enrollment Assister Support Center, and Elaine Saly, Health Policy Analyst—to get answers for some of the most common questions about enrollment.
As full implementation of the Affordable Care Act takes shape this fall, many Americans still wonder how the health care law will affect them. Help us spread the word that the Affordable Care Act is here to stay and that new affordable health coverage options will be available starting on October 1. Check out this recent guest article featured in USA Today to learn more about the many benefits the law has to offer.
Learn how the Affordable Care Act allows states to expand Medicaid by purchasing coverage for enrollees through the health insurance marketplaces using federal funds
Elaine Saly is a health policy analyst at Families USA and developer of the Navigators and In-Person Assisters Resource Center. She recently composed a toolkit and presentation on the navigator program, a new grant opportunity for existing organizations to expand their services by conducting outreach and assisting individuals with enrolling in health care coverage through the insurance exchanges. She discussed the program and this exciting opportunity with us.
On Tuesday, the Department of Health and Human Services released three new application forms that consumers will be able to use to sign up for coverage beginning on October 1. These consumer-friendly applications ask for all the information needed to see if an individual or family will qualify for free coverage from Medicaid or CHIP, or if they qualify to buy a plan in the new health insurance marketplace, and if so, whether they will get premium tax credits to help pay for this coverage. These three forms are tailored to meet the needs of different types of applicants:
Learn how the Affordable Care Act protects consumers and how it specifically benefits different groups of people.
Families USA and the National Health Law Program worked together to develop a checklist to help advocates ensure that their states implement health insurance exchanges that meet the needs of people with limited proficiency in English.
Explains that some low-income families may not be able to afford health coverage in the health insurance marketplaces until CHIP premiums are reduced or eliminated.
To find out if you may be eligible to receive help paying for health insurance premiums, answer these questions for each person in your family.
Low- and Middle-Income Americans Will Receive Tax Credits to Help Pay for Health Insurance. Starting in 2014, Americans earning up to four times the federal poverty level (currently $47,100 for an individual and $94,200 for a family of four*) will be eligible for premium tax credits to help them buy health coverage in insurance marketplaces (also known as “exchanges”).