Health Insurance Marketplace: An Overview

We want you to know about increased access to health insurance. 

The Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll. Every health insurance plan in the Marketplace offers essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions and more. You can compare plans based on price, benefits, quality and other features important to you before you make a choice. 

There are three ways for you to learn more and get covered. You can enroll online (HealthCare.gov), over the phone (800.318.2596) or with in-person assistance (localhelp.healthcare.gov). You’ll have the opportunity to compare private plans side-by-side and choose the one that fits your family and budget. 

The 2016 open enrollment period ends January 31. HealthCare.gov remains available throughout the year if you have a change in status such as a marriage, new baby or you take a different job. 

Applying online takes four easy steps: 

1. Set up an account. Start by going to HealthCare.gov. First you’ll provide some basic information. Then choose a user name, password and security questions for added protection. 

2. Fill out the online application. You’ll provide information about you and your family, like income, household members, current health coverage information and more. This will help the Marketplace find options that meet your needs. 

3. Compare your options. You’ll be able to see all the options you qualify for, including private insurance plans and free and low cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs on private insurance. You’ll see details on costs and benefits to help you choose a plan that’s right for you. 

4. Enroll. After you choose a plan, you can enroll online and decide how you pay your premiums to your insurance company. You must pay your premium by the date the insurer provides before your coverage can begin. If you or a member of your family qualify for Medicaid or CHIP, visit benefits.ohio.gov or call 1.800.324.8680 or 1.800.648.1176 to enroll directly. 

 

NOTE: More Ohioans are eligible for Medicaid coverage. Visit benefits.ohio.gov. There is no open enrollment period for Medicaid; beneficiaries may enroll throughout the year.

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