Get Ready for Marketplace OE3! Open Enrollment Begins November 1, 2015

Open Enrollment 3 on the Marketplace at healthcare.gov starts November 1!

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If you don't have health insurance:

Almost anyone who does not have health insurance is required to sign up for health care.  If you or your family members do not qualify for Medicaid or have affordable insurance from your employer, now is the time to sign up on the Marketplace (healthcare.gov).

If you already have health insurance through the Marketplace (healthcare.gov):

Sign into your account or contact the Marketplace to change your plan and update your income.  Report your 2016 income and make sure your Advance Premium Tax Credit is correct.  Open Enrollment is the only time of year you can change your health plan without a qualifying life event.  Health plans change each year and new plans--both medical and dental--will be available.  Check to make sure your health plan matches your health needs.

makeanappointment

If you are unsure about your eligibility for Marketplace or Medicaid:

MAKE AN APPOINTMENT between November 1, 2015 and January 31, 2016 with a local non-profit to figure out what the healthcare coverage you and your family are eligible for.  If you just have questions, call and we can help.  If you need help applying, we will help you.  You will need to know who is in your tax household and estimate your income for 2016.  

If you do not have health insurance or healthcare in 2016, you will pay a tax penalty.  The tax penalty for not having insurance in 2016 is $695/person or 2.5% of your income, whichever is higher.

Example 1: For a family of four making $52,000 for the year, 2.5% is $1300.  But $695 per adult and $347.50 per child or $2085.  This family's penalty would be $2085. On the other hand, the children would likely qualify for MIChild health insurance, an affordable health plan costing $10/month, and the adults would likely qualify for subsidized Marketplace plans.

Example 2: If you are single and you make $20,000 and you do not have health insurance, you will pay $695 in a penalty or you could get health insurance for approximately $17/month.  Get insurance for $204 dollars or pay $695?  You decide. 

i'm healthy, why do I need health insurance?

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With all health insurance plans, your annual physical is FREE.  Read about those services here and here 

Accidents happen and people get sick. With health insurance or health care coverage, you will be covered and get help from doctors and hospitals.  

It's the law.

Important dates for 2016 enrollment

  • November 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016.
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

affordable healthcare insurance street sign

Nonprofit agencies in Washtenaw County that can help you get health care coverage or health insurance.  Here are the local agencies that can help you apply:  Call today and make an appointment or ask the questions you need answers to.

  • Aid in Milan  734-439-8420
  • Corner Health Center  734-484-3600 
  • Faith in Action  734-475-3305 
  • HARC/APM 734-961-1088 
  • Manchester Community Resource Center  734-428-7722 
  • Michigan Medicare/Medicaid Assistance Program (MMAP)  800-803-7174 
  • Packard Health 734-971-1073 
  • Regional Alliance for Healthy Schools 734-998-5795 
  • Saline Area Social Services 734-429-4570
  • St. Joseph Mercy Health System (Ann Arbor, Chelsea and Howell locations) 855-753-4726
  • University of MI Health System (Ann Arbor, Brighton and Ypsilanti locations) 877-326-9155
  • Washtenaw Health Plan 734-544-3030

Resources:

Marketplace Information

Healthcare.gov

Medicaid, MIChild and MiBridges to apply for Medicaid online

-M. Buhalis

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