There has been a lot of buzz about the Affordable Care Act and health insurance in general. It’s a confusing time. If you have health insurance, you might just choose to skip all the info but what if you lose your insurance or have to find different coverage?
Let me tell you, I know just enough about ACA to be confused!
Here’s what I found out. The ACA claim is to help get us access to health insurance and affordable health insurance at that. The Act also guarantees coverage for pre-existing health conditions, and financial assistance for those who qualify. This may include savings on your health insurance premiums via a tax credit or access through a government program like Medicaid, the Children’s Health Insurance Program (CHIP), or Medicare.
No matter which side you are on, whether you approve of ACA or not, it’s here. We need to be informed and understand how it works, how we can save and what the Health Exchange Marketplace is.
I am one of those people that really does not understand the ins and outs of it all. Along with me and so many other Americans, we don’t understand how this all works and that we may be able to save money on our health insurance.
Last year, almost 87% of health insurance exchange applicants saved $250 a month or more on their health insurance!
UnitedHealthcare has a new campaign that provides tools and assistance to make it easy to learn more, and find a health plan during the open enrollment period.
Let’s look at some resources where we can find out more:
Overall Health Care Reform:
Be informed. Find out what has changed in health care, see what open enrollment is all about and why it matters to you. Essentially, you need find a plan between Nov 15 and Feb 15 to have coverage from the marketplace in 2015. There are certain qualifying events that allow you to use a special enrollment period.
The exchanges or the health exchange marketplace is a website that allows you to compare plans from a variety of providers. This website will be either the government Healthcare.gov website or your state’s individual marketplace website.
If you are a visual learner like I am, check out these great resources below.
Why Health Care Reform Matters
Health Accounts and Health Reform
Health Insurance Exchanges 101
Health Insurance Myths and Facts
This is all a lot to take in but if you find yourself in the position of needing health insurance, head to the UnitedHealthcare website. They have plenty of information and additional videos that can help you figure it all out.
Time is of the essence. You only have until Feb. 15th to enroll.
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