Affordable Care Act enrollment season begins

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The Marketplace can assist consumers that do not have health insurance through an employer, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage. Kori Hattemer, head of the Insure Central Texas program at local nonprofit Foundation Communities, says the four insurers on the exchange past year are all back - Blue Cross Blue Shield, Ambetter, Oscar, and Sendero Health Plans, which decided not to exit the market in September after public outcry ("Sendero's Path Forward", Sept. 28). Off marketplace enrollment started on October 1 and will end on December 31.

Those improvements will mostly be concentrated in urban areas of the state.

"That is why I am introducing the ENROLL Act to safeguard the vital service health care Navigators provide to our neighbors before, during and after open enrollment".

Access Health CT says enrollment fairs will be held on Saturdays. A person can't be denied health insurance because of a pre-existing condition anymore.

"From a consumer perspective, the experience should be pretty good", Kelley Turek, a policy specialist at America's Health Insurance Plans, told Axios. There will be much less "sticker shock" this year because 2019 premiums did not increase much in CT or across the nation.

"Families in Florida and across America have been aided every year by independent Navigators that help them find the best option for their health insurance". Another big change for this enrollment period is the drastic cut in funding for the insurance counselors known as navigators, both in Georgia and nationally.

"This year more than ever, it will be important for consumers to work with a knowledgeable, licensed and certified insurance professional". The Illinois Department of Insurance advises consumers who are enrolling or re-enrolling to start shopping early and look at all options on and off the exchange. But the law expanded Medicaid eligibility and included tax rebates for lower-income individuals to make coverage affordable.

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However, some say the additional options could lead to consumers buying less coverage than they need.

Studies show that uninsured rates in the Garden State have dropped to 8.7 percent of those under 65, as of 2017, from almost 15 percent in 2013, before the ACA took full effect. This year, those incomes range from about $16,000 to $448,000 for an individual. Florida Blue is the only insurer that's offering plans in all 67 counties. These include government subsidies for low-income enrollees who get insurance on Obamacare exchanges and tax credits for small businesses that contribute to employee health plans. Average rates for the 2019 lowest-cost silver and gold plans decreased from a year ago for the first time, while the lowest-cost bronze plans modestly increased. WXXI's Brett Dahlberg has more on what that means.

"It's possible that some people in the rural counties don't understand that they would qualify for financial help, so that they could shop in the marketplace and end up with a very affordable plan", he said.

"People don't have to be experts".

"It's a more competitive environment in terms of choices for people", Connors said.

Under the ACA as written, insurers may issue short-term health plans to help people bridge transitions in their lives for up to three months. You might use an insurer's website or a third-party website.

"From day one, my administration committed to protecting the Affordable Care Act in New Jersey against President Trump's efforts to tear it down".