Marketplace Enrollment

OPEN! Enrollment began November 1, 2015

Click here to Enroll

The Marketplace offers quality health plans and financial help to pay for the cost of insurance premiums.  In Alaska, approximately 90% of those who enrolled in health insurance through the Marketplace, qualified for financial support.  Consumers can only access premium subsidies and support for out-of-pocket costs (such as co-pays and deductibles) by enrolling through the Marketplaces. If people do not have health care coverage or apply for an exemption they could face a tax penalty.

For current Marketplace consumers, this is the time when you can come back, shop and compare your current plan with others available in your area for 2016, and select the plan that’s right for you. You can choose to stay in your current plan if it’s still available – or – pick a new plan.

Plans on the Health Insurance Marketplace change every year and, because of that, new, better and more affordable plans might be available in your area. You can visit healthCare.gov now and compare your current plan against other plans in your area and see an estimate of how much other plans cost and learn about coverage options.

Don’t forget that you need to take action ahead of the December 15 deadline for January 1 coverage. If you are currently enrolled in a Marketplace plan, come back, update your info and make sure you have the best plan to meet your health and budget needs between November 1 and the December 15 deadline for these changes to start on January 1.

Here are five quick tips to make the most of Open Enrollment 2016:

  1. Review: Plans change, people change. Review your coverage and look for a letter from your plan about how your benefits and costs may change in 2016.
  2. Update: Log-in to your account on healthcare.gov.  Make sure your household income and other information is up-to-date. This information is important to keep updated because it impacts the amount of financial help you receive.
  3. Compare: Because plans on the Marketplace change each year, new, better and more affordable plans might be available for you. Compare your current plans with the other plans that are available for you in your area.
  4. Choose: Select the health plan that best fits your budget and health needs.
  5. Enroll: If you want updates to your health coverage to start January 1, 2016, you must make changes or select a new plan by December 15, 2015. You can change your plan selection any time during Open Enrollment, which ends January 31, 2016.

NEW! Get Covered Plan Explorer Support Tool

The Get Covered Plan Explorer is a digital decision support tool that will provide personalized information to help you estimate total health-care costs for the year under each plan available in your area, so they can make sure you are getting the best possible deal for your health care needs. You can also see which prescription drugs and doctors are covered under the different plans. The Plan Explorer will provide clear, easy to understand information about available plans, so you can make an educated decision about how to get the best and most affordable coverage for you and your family.

Resources for Consumers

Get Covered America – sign up to learn more about your health insurance options

Enroll America Communicators Guide 2014-15

Marketplace Eligibility Screening Tool

Alaska Resources to Assist Consumers

There are two Alaska insurers providing plans through the Health Insurance Marketplace in Alaska

Moda website  and Moda 2015 Plan Brochure – 888-374-8910

Premera website  – 877-773-6372

There are a variety of options for getting assistance on enrolling in insurance through the new marketplace.

Printable marketing information to post in your hospital and share with consumers is available below:

5-steps-to-staying-covered

key-dates-for-the-health-insurance-marketplace

marketplace-application-checklist

enrollment-flyer templates

Calculator to Estimate Health Insurance Premiums – This tool estimates health insurance premiums and subsidies for people purchasing insurance in the new health insurance marketplace.

For more information on open enrollment, check out the fact sheet found here:

For more information on Special Enrollment Periods, see this page on HealthCare.gov:

Marketplace Subsidies

This is an ASHNHA created resource for health care leaders that explains the subsidies available to Alaskan families at different income levels, gives examples of insurance policies available through the Alaska Marketplace, and explains how subsidies will be applied to monthly premium and out-of-pocket expenses.

Click here for Marketplace Subsidies in Alaska Policy Brief

Click here  for Powerpoint explaining Marketplace Subsidies in Alaska

Overview of the Affordable Care Act (ACA)

On March 23, 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act, into law. The ACA aims to increase the quality and affordability of health insurance; lower the uninsured rate by expanding public and private insurance coverage, and reduce the costs of healthcare for individuals and the government.

Click here for Summary of the Health Reform Law

Click here for an Interactive Implementation Timeline

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