Help applying and enrolling is free of charge and available in your area: Make an appointment with an expert go to one of the walk-in events
Despite the Administration’s attempts to undermine the Affordable Care Act (ACA), the ACA is still the law of the land. Here are a few things you’ll need to know about Open-Enrollment to get coverage for 2018:
- You only have six weeks to shop and purchase a plan!
In past years, Open Enrollment has lasted months, but this year it is from November 1 to December 15, 2017. If you have Marketplace health insurance, you can renew, change, or update your plan for 2018 only during this time. You can also buy health insurance now if you don’t receive ‘affordable’ coverage through your employer.
- You could save money on a new plan.
Financial help is available! Although the Trump administration ended Cost Sharing Reduction (CSR) payments to insurers, those insurance companies are still required to reduce out-of-pocket costs, like co-pays and deductibles, for eligible people who choose qualifying silver level plans. In some cases, the premiums for these silver plans may be higher. But, the amount of premium tax credits you receive will also go up to offset the increased premiums. Last year, 8 in 10 people qualified for financial help – check out your options!
- You may be auto-enrolled for 2018.
If you do nothing, your health insurance company will send you letter to let you know whether your current plan is available in 2018 or if they’re offering you a similar/alternate plan for 2018. It should show your new 2018 premium, after any premium tax credit has been applied. The tax credit may be based on your 2017 information, so be sure to update your information to get the most savings.
- Your 2018 plan will still include the ACA coverage benefits.
The health care law offers rights and protections that make coverage more fair and easy to understand. The plan you purchase on HealthCare.gov will still have to cover people with pre-existing health conditions, including pregnancy, without charging more, provide free preventive care, including contraception, and coverage of essential health benefits.
- Local help is available!
There are trained assisters in Oregon ready to help you fill out the application to enroll for free! Make an appointment with an expert listed in the directory at OregonHealthCare.gov or find a walk-in event on their calendar. If you prefer to see an LGBT-friendly assister, use Out2Enroll’s Enrollment Help tool. Be aware, you may need to try calling a few organizations on the list before you find one that is providing enrollment assistance this year.
It is more important than ever to make sure people know they can still enroll in health insurance; don’t let the Trump Administration sabotage all the great efforts that have gone into getting more people covered!
The Oregon Health Insurance Marketplace makes sure that health insurance plans on HealthCare.gov meet state and federal requirements. We help Oregonians find and use the health insurance that works best for them and their budgets.