Open Enrollment for the Affordable Care Act Health Insurance Marketplace begins Nov. 1, 2018. The deadline for enrolling in the marketplace is December 15, 2018. You MUST enroll by December 15, 2018 to have health insurance in 2019.
The Health Insurance Marketplace provides options for affordable health insurance plans sold by insurance companies. If you bought a health insurance plan through the Marketplace in 2018, you can renew your current plan or enroll in a different plan for 2019.
Assistance with applying for Medicaid and All Kids or help with Redetermination is available year around by contacting CCH.
The Affordable Care Act made changes to the Medicaid program, making it different from how you might remember in years past. If you applied for Medicaid prior to 2014 and did not qualify, you now may be able to receive free or low-cost health insurance coverage through the Medicaid expansion.
What is the Affordable Care Act?
You might have heard of the Affordable Care Act (ACA), also known as “Obamacare.” This law requires that almost everyone be enrolled in a health insurance plan or pay a penalty. If you haven’t had health insurance in the past, you are now likely eligible and will need to sign up for some type of health insurance plan.
What is the Difference Between Medicaid and the Health Insurance Marketplace?
The Medicaid program, which allows individuals to receive free or low-cost health insurance coverage, will be expanding to cover all individuals with incomes below 138% of the federal poverty level (in 2018 at or below ~ $16,642 for one person or $22,411 for a married couple with no children). Medicaid provides comprehensive benefits and services including hospital care, outpatient care, and preventive and wellness services.
If your income is too high for Medicaid, you can purchase private health insurance through the Health Insurance Marketplace, also known as the Health Insurance Exchange. The Marketplace will be similar to other websites you might be familiar with, like Expedia or Travelocity. Just as these sites find the best travel option at the best price for you, the Marketplace will allow you to compare health insurance options side by side and select the plan that is best for you. Families with incomes up to 400% of the federal poverty level (up to ~$100,400 for a family of four) will be eligible for support in the form of an income tax credit to assist you with paying for your plan. Those with Medicare, employer-sponsored insurance, or who are not legal permanent residents are not eligible to purchase plans on the Marketplace.
How can I Prepare for Enrollment?
Be sure to have the following information handy in order for us to help you complete enrollment on the Marketplace. Your enrollment process will go much quicker if you provide all information required for enrollment:
- Social Security Number (document numbers for legal immigrants)
- Employer and income information for every member in your household who needs coverage (for example: pay stubs, W2 forms, Wages and Tax statements)
- Number of people in your household
- Policy numbers for any current health insurance plans covering members of your household.
Where can I find more Information and Assistance with Enrolling?
- Information provided will only be used for enrollment assistance purposes. The information provided will not be retained after enrollment application is complete.
- Visit HealthCare.gov or www.getcoveredillinois.gov
- Call the toll-free federal help line, available 24/7, at 1-800-318-2596We can answer your questions over the phone or in-person.
How can CCH Help Me?
- Call 866.223.2817 Monday through Friday 8AM – 7PM and Saturday 9AM – 5PM
- Contact a Certified Application Counselor (CAC) at any CCH Facility (link for list of locations)