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Open Enrollment Begins Again on Nov. 15.  Here’s What You Can Do Now!

Plan Ahead

Think about your current health coverage.  Is it working for you?  Do you have lower cost prescriptions?  Is your preferred doctor included in your plan?  Is it affordable for your and your family?

Health insurance is complex – and important to the health and lives of you and your family.  If you need help, do not hesitate to call an ASPIN Health Navigator.  The call is free and so is the service, 1-877-313-7215.

To begin the process, create an account.  Go to www.healthcare.gov and sign up.  This way, you’ll be first in line for news, updates and announcements from the Marketplace.

If you qualify, you may be eligible to buy insurance right now.  For example, if you have lost your health insurance recently, including Medicaid or CHIP, in most cases you are eligible to purchase new insurance now.

If you change jobs, your new salary may mean you are eligible for premium tax credits and cost sharing reductions. The credits are largely based on family income and family size.  For example, if your income is between $23,550 and $58,875 a family of four may be eligible for cost sharing reductions and premium tax credits.  Call ASPIN to see in your qualify.

If your citizenship status changes or you are released from incarceration, you may be able to buy insurance now.  And if you get married, divorced or your spouse passes away, you may purchase insurance now in what’s called a “special enrollment period.” 

If you are under the age of 30 and you are exempt from the requirement to buy insurance, you may be eligible for a “catastrophic” plan. This type of health plan has lower monthly premiums, but it isn't available for everyone. Catastrophic plans have high deductibles. That means you have to pay a lot of money before your health plan helps share the cost. However catastrophic plans will help pay for the at least three primary care visits and some other preventive services.

If you need help or just need direction, call ASPIN.  And if it will help take some of the burden off you, we can handle some of this communication for you.  The Marketplace Call Center now accepts and records a consumer’s verbal authorization for an assister to communicate on her behalf for a whole year!  If you want us to communicate with the Call Center on your behalf, you must provide verbal authorization to the Call Center.  These new verbal authorizations will be valid for 12 months. Note that we cannot “make decisions on behalf of the consumer, or pick a plan for a consumer” – we are not your authorized representative.  This third-party authorization allows us to “facilitate communication” for the coming year.

Health insurance is complex.  If you need help navigating these complexities, do not hesitate to call ASPIN.  Our service is always confidential and free.  1-877-313-7215.

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