Open enrollment, which will end December 15, began on Thursday for Iowans purchasing or changing their individual health coverage through the federal marketplace and starting January 1, 2019. Across the state help is available from navigators at many Community Action Agencies, assisters at Federally Qualified Health Centers, and at many hospitals.
Enrollees can choose one of eight Highmark Blue Cross Blue Shield of DE plans that are available for purchase in 2019 or they will be automatically re-enrolled in a plan that is similar to the one they now have.
Florida has traditionally led the nation in enrollment, with about 1.7 million enrolled in plans this year.
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.
It's time for consumers who buy their own health insurance to start shopping for policies for next year.
But Ommen also praised non-ACA compliant options that he said offered an affordable option for Iowans who do not qualify for subsidies on their health care coverage, including the Farm Bureau Health Plan, a new coverage plan that was created by the Iowa Farm Bureau Federation for this coming year. Last year, 85 percent of people in ME with marketplace plans qualified.
"We're talking about how DE, in particular, could create recommendations to make sure we're protecting everyone to get coverage that they need and not be pushed into plans that really don't give them coverage, except maybe some catastrophic coverage", she said. "We can also undo some of the sabotage the Trump administration and Republicans in Congress and at the state level have done to our affordable health care".
"Governor Murphy's commitment to increasing the number of people with health insurance will certainly result in a stronger and healthier New Jersey, and the Department of Health is committed to doing everything it can to educate people about the need to be insured", Commissioner Elnahal wrote in his letter to providers. According to Ommen, the ACA tax credit subsidy system will produce affordable coverage for many Iowans whose household incomes fall below 400% of the federal poverty level. For coverage in 2018, about 82 percent of enrollees in DE were eligible for tax credits, which help reduce the cost of the monthly premium. In the past, consumers would pay a penalty if they were not enrolled in a health plan. The same three companies that offered plans this year are offering plans for 2019: Anthem, Harvard Pilgrim and Ambetter.
"A lot of the short-term plans exclude emergency services, majority exclude maternity care, some exclude hospitalization", Hattemer warns. For small group plans, costs are expected to increase 0.1 percent.
There will be no penalty for not having minimum essential coverage.
Two insurers - Delta Dental of Delaware, Inc. and Dominion Dental Services, Inc. - will offer a collective 11 stand-alone dental plans on the Marketplace.