Time is Running Out for Your Residents to Obtain Federally-Subsidized Health Insurance

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Health-Care-ACA-Deadline

There is less than one week left for your residents to obtain federally-subsidized health insurance through HealthCare.gov.  But as an elected official there is much you can do to help them get federally-subsidized health insurance.

Please let your residents know that if they do not have employer-sponsored insurance, or have not yet purchased insurance through their state Health Insurance Marketplace, March 31 will be the last day this year they can obtain federally-subsidized health insurance.

Let your residents know that even if they have purchased health insurance on the individual insurance market, they might be able to find better and cheaper insurance through HealthCare.gov.

And let your residents know that obtaining health insurance through HealthCare.gov is quick and easy.

If they have access to a computer, all they have to do is go to the website and follow the prompts, which will take them to their state’s Health Insurance Marketplace where they can register and obtain the health insurance they need and deserve.

If they don’t have access to a computer, then HealthCare.gov is only a phone call away. They can contact their Health Insurance Marketplace by calling 1-800-318-2596 (TTY: 1-855-889-4325) to apply, pick a plan, and enroll.

And remind them of the benefits of enrolling in HealthCare.gov and having insurance. Whether they are  uninsured, been denied coverage in the past, or just want to explore new options, the Health Insurance Marketplace will give them more choices and control over their health coverage, and the Marketplace is operating in all states, so no matter where they live they will have access to coverage.

Remind your residents that in the Health Insurance Marketplace they can compare coverage options based on price, benefits, quality, and other features important to them. Remind them that they can choose the combination of price and benefits that fits their budget and needs.

Also, let your residents know:

  • They may pay less for their insurance. The Marketplace application will tell them if they are eligible for a new way to get lower costs on your monthly premiums or out-of-pocket costs for private insurance. They will also learn if they are eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
  • All plans must offer a comprehensive set of essential health benefits including doctor visits, preventive care, hospitalization, prescriptions, and more.
  • Pre-existing conditions will be covered: Even if they have been turned down in the past, health insurers won’t be able to deny them coverage or charge them more due to pre-existing health conditions, including a pregnancy or disability.
  • They can get personal help in their area: If they need help finding a plan, several kinds of help will be available to give them personalized assistance with the process.

Please let your residents know now is their chance to get the health insurance they need and are entitled to, and it is only a click (HealthCare.gov) or phone call (1-800-318-2596 (TTY: 1-855-889-4325)) away.

Neil Bomberg

About the author: Neil Bomberg is NLC’s Program Director for Human Development. Through Federal Advocacy, he lobbies on behalf of cities around education, workforce development, health care, welfare, and pensions. Follow Neil on Twitter at @neilbomberg.