The Marketplace is now OPEN!

If you signed up for Marketplace insurance last time – we encourage you to come back, update your application, compare your plans, choose the option that makes the most sense for your financial and health needs and enroll. The deadline to complete these steps is December 15, 2014.

If you’re shopping for Marketplace coverage for the first time – Open Enrollment to sign up for an affordable health plan runs now through February 15th. Your coverage can start as soon as January 1st if you sign up by December 15, 2014.

Over the past few months, we’ve been working hard to lay the groundwork for a successful Open Enrollment. We’re committed to giving you the very best consumer experience.

Join the millions of Americans who now have access to quality, affordable coverage: sign up today! 

-Secretary Burwell


P.S. — If you live in Idaho, Nevada, or Oregon, your process for 2015 enrollment has changed from last year. Learn about these changes in your state.

For information on resources available in your state, or to make changes to your 2014 coverage, visit the Nevada Health Link website. Your 2014 coverage ends December 31, 2014, no matter when you enrolled or update your information.

New for 2015: Beginning November 15, Small Business owners can use HealthCare.gov to apply for SHOP coverage.

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Health Insurance Exchange Marketplace Opens Tomorrow

Consumers  and Small Business Owners can sign up for health plans for the first time, renew or change their plans for 2015 on HealthCare.gov [or https://www.nevadahealthlink.com/ in Nevada]; more plans are available this year

HealthcareInsuranceStarting tomorrow, consumers can sign up for 2015 health insurance plans through HealthCare.gov, the call center, or in-person assistance. With more issuers offering coverage through the Health Insurance Marketplace this year, the consumers will find more options for themselves and their families.

“When Open Enrollment begins tomorrow, consumers who are renewing their coverage or signing up for the first time will have an opportunity to obtain quality health coverage at a price they can afford,” said Health and Human Services Secretary Sylvia M. Burwell. “Whether consumers visit the simpler, faster and more intuitive HealthCare.gov or contact the call center, they’re going to find more choices and competitive prices.”

The Health Insurance Marketplace is a simpler way to purchase health insurance for Americans and their families. Consumers can go online to find and compare options, see if they qualify for lower costs, and select coverage that best meets their needs and budget. About 85 percent of those who signed up last year through the Marketplace received financial assistance. Coverage begins as early as January 1, 2015 for people enrolling by December 15, 2014. Tomorrow, the Centers for Medicare & Medicaid Services (CMS) is launching an education and outreach campaign in communities nationwide to drive both the uninsured and current enrollees to enroll in coverage or renew their coverage. Enrollment events will take place in local communities including in public libraries, churches, festivals, sports events, and community meetings.

“Tomorrow marks the beginning of an intense open enrollment and public education campaign for the Marketplace,” said CMS Administrator Marilyn Tavenner. “We want consumers to visit the Marketplace, compare their options, see if they qualify for lower costs, and reenroll or get new coverage that best meets their needs and budget.”

CMS has worked to improve the consumer experience by making the application process easier. A window shopping tool allows consumers to answer a few simple questions, such as location and family size, in order to compare plans and get an estimate on how much financial assistance they may qualify for, without needing a log-in or submitting an application.

For most consumers who are renewing coverage, up to 90 percent of their application will be pre-filled based on last year’s application. And a new streamlined application reduces the number of screens to 16 with fewer clicks to navigate through the questions for most consumers signing up for the first time. Last year, consumers went through 76 screens to sign up for coverage. This year, along with a simpler, faster application, consumers can shop and enroll on a smartphone, tablet, computer, or by calling the call center or with in-person assistance.

Tomorrow, Secretary Burwell will participate in an enrollment event at the Evergreen Health Center in Manassas, Virginia with local consumers and Certified Application Counselors who are helping consumers enroll.

Open Enrollment for the Health Insurance Marketplace begins tomorrow, Nov. 15, 2014, and runs through Feb. 15, 2015. Consumers should visit HealthCare.gov to review and compare health plan options and find out if they are eligible for financial assistance, which can help pay monthly premiums and reduce out-of-pocket costs when receiving services. All consumers shopping for health insurance coverage for 2015— even those who currently have coverage through the Marketplace — should enroll or re-enroll between November 15 and December 15 in order to have coverage effective on Jan. 1, 2015.

A number of different resources are available to help consumers find Marketplace coverage. They can get more information through HealthCare.gov or CuidadoDeSalud.gov. Consumers can find local help at: Localhelp.healthcare.gov or call the Federally-facilitated Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325. Assistance is available in 150 languages. The call is free.

The Marketplace includes a Small Business Health Option Program (SHOP), designed to give small businesses new health insurance options and a simpler way to cover their employees. The SHOP is available to small employers with 50 or fewer full-time equivalent employees. Starting tomorrow, November 15, 2014, the SHOP Marketplace will allow qualifying employers to find, compare, purchase, and enroll in 2015 SHOP health and dental coverage entirely online through HealthCare.gov. Employees will be able to view offers of insurance from their employer and enroll online through HealthCare.gov. Small businesses and their employees can get help from the toll-free SHOP Marketplace call center at 1-800-706-7893 or for TTY, call 711. The hours are Monday through Friday, 9 a.m. to 7 p.m. EST.

To sign up for individual and family coverage, visit: https://www.healthcare.gov/apply-and-enroll/

To sign up for small business coverage, visit: https://www.healthcare.gov/small-businesses/

For more information about Health Insurance Marketplaces, visit: www.healthcare.gov/marketplace


Note: All HHS press releases, fact sheets and other news materials are available at http://www.hhs.gov/news.

5 Steps to Staying Covered

Did you know that if you bought a health insurance plan through the Health Insurance Marketplace in 2014, you can renew your current plan or enroll in a different plan for 2015? 

This fall, you’ll get two important 2015 health care plan notices about your health coverage. One will come from your health insurance company to explain any changes to premiums and benefits for the coming year. Another will come from the Marketplace with important deadlines and information about Open Enrollment, which starts on November 15, 2014. These notices help you understand your choices for 2015.

To stay covered through the Marketplace for 2015, make sure to follow these 5 Steps during Open Enrollment:

5 Steps to Staying Covered

Obamacare Reality Check

— submitted by Rich Dunn, RNDC 2nd Vice Chair

If you’re asked about Obamacare, use it as an opportunity to show how much difference progressive change can make. Open enrollment began one year ago, on October 1st, 2013. The websites had a rocky rollout, but 10.3 million Americans who had no health insurance a year ago now have coverage. Competition has increased – there are now 25% more insurance companies offering policies in the health insurance market. United Healthcare, the market leader, will be offering policies on 25 state exchanges in 2015, double the number in 2014. The system was designed to foster competition, and that is exactly what is starting to happen.

According to the Republicans, the ACA was going to be a government takeover of heathcare. But you wouldn’t know that from how private sector insurers have been doing on the stock market. United Healthcare’s stock is up 16%, Humana’s is up 34%, Aetna’s 22%, Cigna’s 13% and Wellpoint’s a whopping 37%. Some government takeover that turned out to be.

On top of that, 8.2 million seniors have saved over $11.5 billion, money that went right back into the economy. Republicans predicted that Obamacare would send costs through the roof, but between 2010 and 2013 health care costs have only risen at an annual rate of 1.1%, which is the slowest rate of increase of any three year period on record and below the overall rate of inflation.

Hospitals are expected to save $5.7 billion dollars this year alone in uncompensated health care costs. Republicans kept saying that all people without insurance had to do was go to the emergency room, but as usual they never mentioned who was supposed to pick up the tab – the hospital, of course. Thanks to Obamacare, that’s now far less of a problem. Most of that $5.7 billion in hospital savings happened in states like Nevada that opted to expand Medicaid. The 23 Republican states that refused Medicaid expansion are seeing a wave of hospital mergers and closures thanks to the rising cost of uncompensated care.

The next open enrollment period begins on November the 15th, and even though there may be more website glitches, it is bound to go a lot smoother this time around. You may have noticed that the Republicans have stopped talking about repealing Obamacare after more than 50 attempts, and that’s because it’s working. It doesn’t solve the long term cost problem – only healthier lifestyles can do that – but at least fewer Americans will be at needless risk because they can’t afford to see a doctor when they get sick.

And don’t forget that insurance companies can no longer drop you from coverage because you get sick. They can no longer refuse to sell you coverage because of a pre-existing condition. Women can now get free breast cancer screening. The “donut hole” for senior meds is being closed. Children can now stay on their parents’ policies to the age of 26. We’ve also seen the end of lifetime limits to insurance reimbursements.

The rate of uninsured Americans has already dropped from 21% to 16%, which is pretty impressive progress considering the level of Republican obstruction at all levels of government. Had that obstruction not occurred, we would now have more like 20 million newly insured Americans instead of just 10.3 million.

Our friend Mark Amodei supported every single attempt to repeal or delay the implementation of the Affordable Care Act, something voters can’t be reminded of too often. Amodei has been part of the problem from day one, and it’s a little late for him to strike a pose as a bipartisan pragmatist who stays above the fray. It’s time for him to go!