Health Insurance Marketplaces
Health insurance marketplaces, or “exchanges,” are available online, by phone, or through a person trained and certified to help you enroll in a plan. In the marketplaces, plans compete with each other, ideally providing consumers with the most competitive premiums. The open enrollment period for the 2015 benefit year begins on Nov. 15, 2014 and extends through Feb. 15, 2015.
Ohio and Michigan residents can apply for coverage, compare plans, and enroll by visiting the federally facilitated Health Insurance Marketplace at HealthCare.gov. You can also find people in your community who are trained and certified to help you apply and enroll in a plan.
Under the Affordable Care Act, some Americans and their families may qualify for financial help to purchase health insurance through the marketplaces. Learn more about financial assistance that you may qualify for.
The Marketplace for Individuals and Families
Watch the following video to learn more about the Health Insurance Marketplace.
Marketplace Enrollment Checklist
View a checklist from ProMedica to help you prepare and make the best choice for enrollment in the Health Insurance Marketplace.
Resources for Individuals Newly Insured Through the Health Insurance Marketplace
The Centers for Medicare and Medicaid Services has provided resources that answer questions for Americans gaining health coverage through the Health Insurance Marketplace. These resources provide information to help consumers confirm their health coverage, verify their health plan, identify covered physicians and medications, and learn about provider networks and obtaining emergency care.
Understanding the Exchanges 101
View a slide presentation from the U.S. Department of Health and Human Services explaining the Health Insurance Marketplace.
What You Need to Know
As a consumer, below are the top 10 things you should know about the Health Insurance Marketplace:
1. If you do not already have health coverage, the Health Insurance Marketplace is a new way to find and buy health coverage that fits your budget and meets your needs.
2. The open enrollment period for the 2015 benefit year begins on Nov. 15, 2014 and extends through Feb. 15, 2015.
3. Not only can you view and compare health insurance options online, but with one simple application, you can have those options tailored to your personal situation and find out if you might be eligible, based on your income, for financial assistance to lower your costs.
4. The same application lets you find out if you and your family members might qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).
5. The information is all available online, but you can apply four ways: online, by phone, by mail, or in person with the help of a person trained and certified to help you enroll in a plan.
6. Each health plan generally offers comprehensive coverage, including a core set of essential health benefits like doctor visits, preventive care, maternity care, hospitalization, prescription drugs, and more.
7. No matter where you live, there is a marketplace in your state, offering plans from private companies where you are able to compare your health coverage options based on price, benefits, quality, and other features important to you before you make a choice.
8. Health insurance companies selling plans through the Health Insurance Marketplace cannot deny you coverage or charge you more due to pre-existing health conditions, and they cannot charge women and men different premiums based on gender.
9. Marketplaces are operated by your state, the federal government, or a partnership of the two, but each marketplace gives you the same access to all of your coverage options. Both Ohio and Michigan have marketplaces operated through a partnership with the federal government.
10. For more information, visit HealthCare.gov. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596, 24 hours a day, seven days a week. TTY users should call 855-889-4325.