Indiana Family to Family

If you lose your job-based health coverage, you have 2 options for staying covered. You can buy an individual plan through the Marketplace. Or, you may be able to keep your employer’s group health coverage for a limited time through a program called COBRA continuation coverage. • Option 1: Get an individual Marketplace plan. If you leave your job for any reason and/or lose your job based coverage, you qualify for a Special Enrollment Period and can choose to buy coverage from the Marketplace. You may qualify for a tax credit that can lower your monthly premiums and lower out-of-pocket costs, depending on your household size and income. You’ll have 60 days to enroll in the Marketplace from the time your coverage ends, which may or may not be the last day of employment. Keep any documentation you have of your current coverage and effective dates—you may need it when you request a Special Enrollment Period. Note: This option doesn’t apply if you voluntarily gave up your job-based heal

Enroll America , is  introducing  a new web tool called the "Get Covered Plan Explorer," which will give consumers a personalized estimate of their health care costs for the year and tell them whether their prescription drugs and preferred doctors are covered under each available plan in their Marketplace. Enroll America already offers the  Get Covered Calculator  (which quickly estimates the monthly premium and tax credit a consumer can expect) and the  Get Covered Connector   (which allows consumers to schedule appointments online for in-person assistance, and get text and email reminders).  REMEMBER: Open Enrollment Starts  November 1 ! The next ACA open-enrollment period runs from  November 1, 2015  through  January 31, 2016 . 

Recent data indicate that a large number of enrollees didn’t access health insurance cost-sharing reductions available under the Affordable Care Act (ACA).  Why did this happen?  How can families get more help paying for health coverage? Background Under the ACA, people with family incomes between 100 percent and 250 percent of the Federal Poverty Level (FPL) are eligible for various levels of “cost-sharing reductions” (CSRs) to reduce the amount they must pay in out-of-pocket costs (e.g., deductibles, co-insurance, co-payments and out-of-pocket maximums). The CSRs are available only if a person or family enrolls in a “Silver” plan through the health insurance Marketplace in their state.  People eligible for CSRs who enroll in a Silver plan will automatically receive a version of the plan that has lower deductibles, out-of-pocket maximums, copayments and/or coinsurance. The version of the Silver plan, and therefore the degree to which cost-sharing is reduced, will be based on fa