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Enrollment in Health Insurance is Easy, or is it?

November 23, 2014
Plain English Version

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Millions of Americans enrolled with private health insurers last year as part of the Affordable Care Act (ACA). Most enrollees are getting federal subsidies to help pay for their premiums.

Do you have to re-enroll? No, if you are satisfied with your plan you will be re-enrolled automatically.

The expiration date for current plans is December 31, 2014. If you want to enroll or want to change your plan you, should do so by December 15, 2014. That is, if you want your plan to start on January 1, 2015.

Everyone who wants to be in the 2015 ACA program must be enrolled by February 15, 2015. It makes sense to do all your business by December 15, 2014. People who enroll or change their plans after December 15, 2014, will not have coverage until February 2015 or later.

Experts say you should go shopping for your health insurance. Insurers can change their plans. For example, check to see if your premiums will be the same next year. Will your coverage be the same? Will the same doctors be available to you? Your subsidy will be the same unless you change it.

Advocates say you should make sure you get a letter from your insurance company. The letter should confirm that you are enrolled for next year.

The federal government has an easy-to-use site to help you. A hotline is 800-318-2596. Go to a site for consumers.

People who are enrolled on a state exchange will have to go to their state exchange. Be sure you do this as soon as possible. Consult a list of the states to see if your state has its own health care exchange. If your state does not, go to the federal exchange.

Many people may be surprised to see changes in their health insurance that they might not welcome. Consumers are warned!

Source: The Christian Science Monitor November 17, 2014

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