confused about aca enrollment

The Affordable Care Act is still the law.

Here’s what you need to know:

  • The enrollment period for 2018 health insurance plans has been extended to December 31. This Special Enrollment Period (SEP) is for those who live in a Harvey-affected area like Houston or Beaumont.
  • Most people get financial help. Contact Legacy’s Eligibility Department to learn more (832) 548 5000.
  • There’s no time to wait. If you don’t sign up by the extended Hurricane Harvey deadline, December 31, you won’t have health insurance in 2018.
  • You will be taxed if you don’t have some form of health insurance.

How do I enroll?

Marketplace Insurance is for those who don’t have insurance through their employer or Medicaid, Medicare or Children’s Health Insurance Plan (CHIP).

  • You must re-enroll for 2018 if you already have Marketplace Insurance.
  • Keeping or updating your current plan? You must still re-enroll during the SEP.
  • Enroll by phone with the Marketplace Call Center at 1-800-318-2596 or TTY at 1-855-889-4325; or online at healthcare.gov after contacting the Marketplace Call Center to request the SEP extension.

If you choose to complete enrollment on your own, the process is as follows:

  • Call the Marketplace Call Center to request the SEP extension, letting them know you live in a Harvey-affected area.
  • Visit healthcare.gov to complete your application once the Marketplace Call Center gives you access.

If you choose to set up an appointment with Legacy for assistance, the process is as follows:

  • Call the Marketplace Call Center to request the SEP extension, letting them know you live in a Harvey-affected area. This can be done before or during your appointment with a Legacy Certified Application Counselor.
  • Schedule your one-on-one session with a Legacy Certified Application Counselor who can assist with enrollment by calling (832) 548 5000.
  •  With an assistor, you will visit the healthcare.gov website to complete your application once the Marketplace Call Center gives you access.

Checklist

Click for Printed Version

Here’s what you’ll need to enroll:

  • Website Credentials – this is your Username & Password for Healthcare.gov (if you have an existing account). You can still create an account or recover your password prior to Nov 1st at https://www.healthcare.gov/login
  • Basic information – this includes name, date of birth and social security numbers for you and anyone else in your household, regardless of whether or not they will be applying for coverage
  • Home and mailing address – for everyone applying for coverage
  • Immigration status and documents – only for those lawfully present immigrants who are applying for coverage. Visit gov/help/immigration-document-types for more information on what documents are accepted
  • Tax filing status – whether you file separately or jointly and who is considered a tax dependent
  • Your employer and income information – aside from regular wages, this will also include supplemental or non-traditional income sources such as tips, social security payments, alimony, retirement or pension income, investment income, rental income, and any other taxable income
  • Your best estimate of your household income – this is your best estimate of what your household income will be in 2018. To help you estimate, use the following tool
  • Current coverage information and policy number – this includes you or anyone in your household covered in 2017 under Medicare, Children’s Health Insurance Plan (CHIP), Medicare, TRICARE, VA Healthcare Program, Peace Corps, or employer coverage
  • Employer contact information for all household members – you will also be asked if you are covered coverage under any employer plans
  • A completed “Employer Coverage Tool” – this is a tool offered by healthcare.gov which needs to be completed for any member of the family who isn’t enrolled in a job-based plan. Link tool here.

Contact Legacy at (832) 548 5000 to set up a session with a Legacy Certified Application Counselor who can assist with enrollment.

Dates and Deadlines

November 1, 2017: Enrollment period begins

December 15, 2017: Enrollment period ends

December 31, 2017: Special Enrollment Period ends

January 1, 2018: Health Insurance coverage from open enrollment period begins

Legacy Community Health is Here to Help

If you cannot afford your health insurance premiums or have difficulty with your co-pays or yearly deductible, Legacy Community Health may be able to help determine if you qualify for financial assistance. Click here for more details  or call (832) 548 5000.

Frequently Asked Questions

Is the Affordable Care Act, known as Obamacare, dead?

No. The Affordable Care Act is still law and Houstonians are able to sign up for new health care insurance beginning November 1.

When does enrollment end?

The enrollment period for 2018 health insurance plans has been extended to December 31. This Special Enrollment Period (SEP) is for those who live in a Harvey-affected area like Houston or Beaumont.

Didn’t the federal government end subsidies?

Subsidies to help low-income individuals purchase insurance are still available. Find out if you qualify by calling Legacy Community Health at (832) 548 5000.

Will I be fined if I don’t enroll in the marketplace?

Because the Affordable Care Act is still law, you will be fined if you do not have insurance, either through an employer, government programs, or the marketplace. Last year’s fine was $695.

Why would I enroll in the ACA?

It’s cheaper to have insurance than to find yourself in an emergency and not have it.

What is a black out?

The website Healthcare.gov, used to sign up for health insurance, will be shut down overnight on Sundays throughout the enrollment period. You will not be able to enroll when the web site is down. If you are applying during the SEP, you can fill out an application online, but you must call the Marketplace Call Center to finalize your enrollment.

Where do I go to enroll?

Enroll by phone with the Marketplace Call Center at 1-800-318-2596 or TTY at 1-855-889-4325; or online at healthcare.gov after contacting the Marketplace Call Center to request the SEP extension.

If you choose to complete enrollment on your own, the process is as follows:

  • Call the Marketplace Call Center to request the SEP extension, letting them know you live in a Harvey-affected area.
  • Visit healthcare.gov to complete your application once the Marketplace Call Center gives you access.

If you choose to set up an appointment with Legacy for assistance, the process is as follows:

  • Call the Marketplace Call Center to request the SEP extension, letting them know you live in a Harvey-affected area. This can be done before or during your appointment with a Legacy Certified Application Counselor.
  • Schedule your one-on-one session with a Legacy Certified Application Counselor who can assist with enrollment by calling (832) 548 5000.
  •  With an assistor, you will visit the healthcare.gov website to complete your application once the Marketplace Call Center gives you access.

When can I call the Marketplace Call Center or Legacy Community Health for assistance?

The Marketplace Call Center can be contacted 24 hours a day, seven days a week.

Legacy Community Health can be contacted from 8 am to 5 pm, Monday through Friday to schedule a one-on-one session.

What are the Harvey-affected areas?

These include the following Texas counties according to FEMA: Aransas, Austin, Bastrop, Bee, Bexar, Brazoria, Burleson, Caldwell, Calhoun, Chambers, Colorado, Comal, Dallas, DeWitt, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Grimes, Guadalupe, Hardin, Harris, Jackson, Jasper, Jefferson, Jim Wells, Karnes, Kleberg, Lavaca, Lee, Liberty, Madison, Matagorda, Milam, Montgomery, Newton, Nueces, Orange, Polk, Refugio, Sabine, San Augustine, San Jacinto, San Patricio, Travis, Tarrant, Tyler, Victoria, Washington, Walker, Waller and Wharton.

Should I wait to enroll?

Do not delay! Having health insurance sooner than later could mean the difference if you find yourself in a medical emergency.

 

ACA is still the law of the land
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October 25, 2017

Legacy Community Health Launches ACA Enrollment Ad Campaign
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