ACA enrollment period begins in Delaware

There were also more pro Obamacare ads this cycle for the first time since the law passed. 

Florida Blue is the only insurer that's offering plans in all 67 counties.

She says there are several low-priced plans - and even plans with no premiums at all - that will give you a discount based on income.

"A lot of the short-term plans exclude emergency services, majority exclude maternity care, some exclude hospitalization", Hattemer warns.

"It makes sense to shop around because things change year to year", she said. A deductible is the amount of money you have to pay out of pocket until your insurance company starts picking up the claims.

The ENROLL Act guarantees funding for Navigator initiatives that provide critical assistance to help hardworking families pick the health plan that is right for them.

Packham and Ray, who have been ACA navigators since the federal marketplace opened five years ago, said the first day of open enrollment was off to a slow start for them, but they had appointments on the books for the coming weeks.

"[People] may be pushing it to last minute, and it's not good because we have fewer navigators this year", said Ray. "The significant cuts by the Trump administration to enrollment advertising and outreach will leave too many families in the lurch, especially families in Florida".

Federal tax credits are available for those whose household income is between 138 percent and 400 percent of the Federal Poverty Level.

If someone calls about offering health insurance policies, be wary if they say they represent the "national enrollment center", the "national health care center", or any other official-sounding name.

If you buy insurance on the individual market - either because you don't get insurance from your employer or you work for yourself - your best coverage options are likely still in the Obamacare market. But the ACA is still the law of the land and financial assistance is still available for low and middle-income consumers.

The open enrollment period runs through December 15th. The legislation, also known as Obamacare, has become more popular with voters despite numerous repeal attempts. Turek noted that they could also be a practical option for individuals who can't afford ACA coverage, but consumers should be sure they know what they're signing up for because short-term plans can have big gaps in coverage. Some may not have pharmacy plans. DOI reminds consumers that cost alone may not be the only factor to consider when selecting a plan. "So I'd say buyer beware".

When asked about how the 1322 waivers will play out, Mr. Southwell said, "At least 40 states have already extended short term health insurance durations to between six to 12 months, demonstrating a commitment to finding affordable insurance solutions for their citizens so we should expect even more creative solutions from the various states using 1322 waivers". For small group plans, costs are expected to increase 0.1 percent.

"Because of changes with the individual mandate we will have to wait and see what Delawareans do, but we're encouraging everyone who is able to purchase and have insurance coverage to do so", said Walker. The Trump administration also cut funding for healthcare navigators and removed the ACA's risk adjustment program.

In 2017, 28.5 million people - or 8.8 percent of Americans - had no health insurance, according to the U.S. Census Bureau.

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