Count Down to Open Enrollment in the Health Insurance Marketplace

10:36 AM October 31, 2014

The Affordable Care Act is working to deliver affordability, access, and quality to millions of Americans across the country.

Looking for health insurance that fits your needs and your budget? Look no further than the Health Insurance Marketplace. All plans in the Marketplace cover essential health benefits, pre-existing conditions, recommended preventive care and more. Open enrollment begins November 15. Enroll by December 15, 2014 for coverage that starts January 1, 2015. To find the latest, most accurate, information about the Marketplace visit HealthCare.gov.

If you have health coverage through the Marketplace, it's time to review your plan and decide if you need to make changes for 2015. Every fall, your health insurance company sends you a letter explaining changes to premiums and benefits for the coming year. You can choose to stay in your current plan (as long as it's still offered) or make changes. If you don't take action by December 15, 2014, you could miss out on better deals and cost savings.

It's easy to renew. There are 5 steps to stay covered: 

1.     Review: Plans change, people change. Every year insurance companies can make changes to premiums, cost sharing or benefits and services they provide. Review your plan's 2015 coverage to make sure it still meets your needs and you're getting the best plan for you. 

2.     Update:  Starting November 15, visit HealthCare.gov and log into your Marketplace account. Answer a few questions to get to your 2015 application - it will be pre-filled with your latest information from 2014. Step through each page of your application and make changes if you need to. This is important - even if none of your information has changed, you might be eligible for lower costs than last year! You also can call the Marketplace Call Center at 1-800-318-2596 to review or make updates over the phone.

3.     Compare:  Log into your Marketplace account and follow the "Enroll To Do List" on HealthCare.gov to compare 2015 plan costs and benefits. New and more affordable plans may be available in your area this year. If you decide to stay in your current plan, follow the directions to search by that plan's 14-digit ID - you can find the ID on the letter from your plan. Or, call the Marketplace Call Center at 1-800-318-2596 for help.

4.     Choose:  Choose a health plan for 2015. You can keep the same plan (as long as it's still offered) or select a new one that better fits your needs. If you want to stay enrolled in your 2014 plan, use the plan ID in the letter you get from your health plan.

5.     Enroll: The Marketplace open enrolment period begins on November 15. Make sure to review, update, compare and choose by December 15 to have any changes take effect on January 1.  Stay covered for 2015! Contact your plan to confirm your enrollment. Make sure to pay your premium.

If you don't finish all of the steps by December 15, we'll try to enroll you automatically so you stay covered. But this coverage might not be your best option for 2015 and you could miss out on cost savings.

If you have questions or need to find someone who can help you in person, we can help. Find local help at: Localhelp.healthcare.gov/

Or call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855- 889-4325. The call is free.  

 

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