Don't Be Scared, Healthcare Isn't Spooky! Instead, Get Ready!

If it's Halloween, then Open Enrollment on the Marketplace (healthcare.gov) is just around the corner!  It may also be time for your employer's open enrollment period! 

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Here's What You Need To Get Ready

1. Income information for everyone in your household

For Medicaid and MIChild, you need income information for  the current month/year. If you are applying on the Marketplace, you are trying to project your income and household information for next year (2018).  Income limits for Medicaid and MIChild can help you understand what you are applying for.

2016 Taxes: Your 1040 form (first page), as well as W-2s and  Schedule C or E if you are self-employed. 

Paystubs:  Bring 30 days of the most recent paystubs for anyone who is working.  If you don't have paper copies, make sure you can access your pay information online. 

Self-employment Information: Recent income and expense statement, Schedule C or E. 

Do you have a working teenager in your family?  Read more about whether or not their income counts at  Teens Who Work: Does Their Income Count?

2. Household composition

For the Marketplace, what matters is your tax household. For Medicaid and MIChild, both who is in your tax household and who is living in your house are important. For everyone in your house, you need certain documents. 

Who was in your household this year and who will be in it next year?  (Hint: Is your college senior graduating? Did you just have a baby?)

Social Security Numbers for everyone in the family who has them.

Immigration documents, such as permanent resident green cards, work permits, visas. (People who have DACA status cannot apply on the Marketplace and should contact the WHP for help.)

Home and/or mailing addresses for everyone in the household.

Dates of birth for everyone.

3. Employer coverage

Does your employer offer coverage?  What does it cost?

Your employer can fill out this form to help decide if your employer coverage is affordable and meets minimum coverage standards according to the Affordable Care Act:  Employer Coverage Tool.

In some cases, employer insurance may be affordable for the employee, but not for the rest of the family. Contact the WHP for help in that situation.

Open Enrollment Question: Do I Have To Take My Employer Healthcare Coverage? (Usually, Yes)

4. Log-ins and password

If you had Marketplace insurance, you already have an account.  Find your Marketplace account information sheet or make sure you have the password for your email account. (If you have multiple email accounts, you can usually identify the one with the active healthcare.gov account by searching for emails from healthcare.gov.)

Want Help? We are making appointments now, so call 734-544-3030.

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