The Affordable Care Act and Insurance Marketplace

The Affordable Care Act

In 2014, Health Insurance Marketplaces will be a new way to find health coverage. On the Marketplaces, some people may be eligible for lower costs on monthly premiums and out-of-pocket costs (such as co-pays and deductibles) based on their income.

One of the biggest pieces of the ACA is the requirement that most Americans have health care coverage. If you don’t have health care coverage for you and your family, you could be assessed a tax penalty. You may have heard the term “Individual Mandate.”

Download Frequently Asked Questions about the Health Insurance Marketplace here.

Calculator to Estimate Health Insurance Premiums – This tool estimates health insurance premiums and subsidies for people purchasing insurance in the new health insurance marketplace.  With this calculator, you can enter different income levels, ages, and family sizes to get an estimate of your eligibility for subsidies and how much you could spend on health insurance.

Take Health Care Into Your Own Hands

–         Shop for, compare and purchase insurance

–         Coverage starts as early as January 1, 2014

–         Also screens you for Medicaid and Denali KidCare

–         See if you are eligible for a subsidy to reduce your monthly premium costs

  • Call 800-318-2596 – Call 24 hours day, 7 days a week (TTY: 1-855-889-4325)
  • Find a resource near you click here.

Navigators

Navigators are trained, certified, and paid to provide assistance in a fair, accurate, and impartial manner. They also conduct public education activities to raise awareness about the new, affordable coverage options and provide referrals to other consumer assistance resources when appropriate.

There are two Navigator Organizations in Alaska.

Alaska Native Tribal Health ConsortiumEmail: [email protected], Phone: (907) 729-7777

United Way of Anchorage

 

Certified Application Counselors

CACs are trained to help consumers understand and apply for health coverage through the new marketplaces.  They work at hospitals, health clinics, and other social service organizations.

In Alaska, all community health centers have trained certified application counselors.  Visit your local health center or see this list for contacts – Alaska CAC Contacts.

For more information on the types of assistance available download this document.

 

Brokers/Agents

Enroll Alaska

Enroll Alaska provides licensed agents to guide you in understanding the healthcare reform requirements, make recommendations based on your insurance needs, assist you with the application process, and provide continued customer service through the life of your policy.

Individuals will be able to compare multiple plan options focusing on their particular wants and needs for coverage.  Applicants can learn about and apply for federal subsidies that may reduce their premiums, deductibles, and copayments on the plans available.

Enroll Alaska agents will be based in hospitals, Walmarts and Sam’s Clubs around Alaska.

 

Resources

People with Medicare and the Health Insurance Marketplace

Alaska Native People and the Affordable Care Act

State of Alaska Division of Insurance, Affordable Care Act Website

The Simplest Explanation of Obamacare. Ever – Watch this short video to understand the health insurance exchanges coming your way under the Affordable Care Act.