NY state health insurance marketplace open for enrollment

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Open enrollment for health insurance plans in the Affordable Care Act marketplace for 2019 coverage started Thursday and consumers will have less help navigating several changes that were put in place.

"At the end of the day, this is not so much about liking the Affordable Care Act or not liking it", she said.

In August, the Department of Insurance had approved an average rate increase of 3 percent for 2019, the lowest increase since the marketplace began in 2014.

The Department of Human Services is working with five community organizations that served as ACA navigators to help enroll people in health coverage.

If you don't qualify for tax credits on the ACA market, you can still sign up for a plan with the ACA, or you can look at available off-market plans.

Consumers have until December 15 to sign up through HealthCare.gov.

"For young people, who are often purchasing insurance for the first time, restoring this funding would mean that they would once again get the impartial, expert guidance that only Navigators can provide, and could help those who don't know about open enrollment and the ACA marketplace find coverage before it's too late", Hemlin said.

"We're talking about how DE, in particular, could create recommendations to make sure we're protecting everyone to get coverage that they need and not be pushed into plans that really don't give them coverage, except maybe some catastrophic coverage", she said.

The Affordable Care Act's sixth sign-up season opens Thursday amid stabilizing premiums and more choice for consumers.

"For Delawareans who don't have access to health insurance through an employer or another form of coverage, the Health Insurance Marketplace offers them an opportunity to get covered", Gov. John Carney said.

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Meanwhile, open enrollment is also underway for Medicare Advantage and Medicare Part D prescription drug plans and the Iowa Insurance Division's Senior Health Insurance Information Program or "SHIIP" is available to offer free, unbiased and confidential assistance to Iowans, says Ommen.

Enrollees can choose one of eight Highmark Blue Cross Blue Shield of DE plans that are available for purchase in 2019 or they will be automatically re-enrolled in a plan that is similar to the one they now have. We'll also help with re-enrollment.

Like a year ago, there are still (the same) four insurance providers in the marketplace: Ambetter, Sendero, Oscar and Blue Cross Blue Shield.

"From a consumer perspective, the experience should be pretty good", Kelley Turek, a policy specialist at America's Health Insurance Plans, told Axios.

The help line to help you choose the best plan for you is 1-800-965-7476.

Two insurers - Delta Dental of Delaware, Inc. and Dominion Dental Services, Inc. - will offer a collective 11 stand-alone dental plans on the Marketplace.

Depending on household income, some individuals may qualify for government financial assistance, or subsidies, towards the cost of the premium and other financial obligations like co-pays or deductibles. For the 82 percent of Delawareans who now receive financial assistance, the average premium after tax credit is $122 per month. They paid an average of $79 per month after subsidies. OEP provides consumers the ability to shop for new plans and enroll for coverage.

Financial help is available for individuals with annual incomes up to $48,560; for a family of four the income limit is $100,400.

"The OEP is shortened so it is important that consumers not delay selecting their plan and enrolling for coverage." added Dial. From changes to the tax penalty to greater access to different types of major medical insurance, 2019 is shaping up to be the year of choice for health insurance consumers.

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