The health insurance marketplace is now open through December 15th.  You must meet a few requirements to be eligible to enroll for marketplace health coverage.  You must live in the United States, be a U.S. citizen and not incarcerated to be eligible for marketplace health insurance coverage.  If a U.S. citizen lives abroad for 330 days out of the year you are not required to have coverage.  Uninsured individuals living abroad qualify for a 2018 tax year health insurance exemption and are not charged a penalty.  Keep in mind for taxes filed in 2020 the fee no longer applies if you did not have coverage in 2019.

Marketplace Application Checklist

When applying or re-enrolling for health insurance through marketplace you will need to provide information about you and your household.  Use this checklist to help you gather all the information you need to start your enrollment application:

  • Information about your household size and the mailing addresses for everyone applying for coverage
  • Make sure to have the information of everyone applying for coverage such as Social Security Numbers and birth dates
  • If an individual, besides yourself is helping you apply for health insurance you must have their information as well
  • Information on how you file your taxes and an estimate of household income for 2019
  • Employer and income information for every member of your household such as pay stubs or W-2’s
  • Policy numbers for any current health plans covering members of your household
  • If you had marketplace coverage in 2018 have documentation from your current plan containing your plan ID

What Marketplace Health Insurance Plans Cover

All plans offered through marketplace cover the essential health benefits that include:

  • Ambulatory patient services such as outpatient care you get without being admitted to a hospital
  • Emergency services
  • Hospitalization for surgery and overnight stays
  • Pregnancy, maternity, and newborn care for mother and child before and after birth
  • Mental health and substance abuse services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices to help people with injuries, disabilities, or chronic conditions
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care
  • Additional benefits offered by plans must include birth control and breastfeeding coverage; you can purchase broader benefit coverage to include dental and vision coverage

Contact our offices today for assistance in applying or re-enrolling for marketplace health coverage.