Policy Resource

It’s Time for Babies and Families to Get Covered!

Nov 2, 2018

Open Enrollment closes December 15th.

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The Affordable Care Act (ACA) is still alive and well and offers families the opportunity to get health insurance. ZERO TO THREE knows that health coverage opens the door for the medical care babies and families need to thrive. The enrollment period is shorter this year in most places, ending on December 15th except in a few states. So, don’t wait!

Here are a few fast facts about getting covered through www.healthcare.gov:

  • WHO: Last year, over 12 million people signed up for health insurance. You can help make those numbers go up!
  • WHAT: At HealthCare.gov or your state-based marketplace, you can find a plan that offers comprehensive coverage that will be there when you need it the most—because it’s legally required. You cannot be denied care or required to pay more because of a pre-existing condition. HealthCare.gov plans cover everything from your prescription drugs and check-ups to maternity coverage and hospitalizations. All health plans offered at HealthCare.gov must cover basic health services.
  • WHEN: Participants must sign up by December 15th. Open Enrollment only happens once each year. This year’s Open Enrollment for 2019 coverage runs from November 1 through December 15. People who need insurance or need to renew their plan should not miss this chance to get covered.
  • WHERE: The Health Insurance Marketplace at HealthCare.gov and, for Spanish speakers, CuidadoDeSalud.gov is now offering information about available plans and how to enroll. Signing up for coverage is easy (you can even apply on your phone). It only takes about 10 minutes to apply. You can preview the plans available to you, including estimated costs, and find out if you are eligible to save on your plan.
  • WHY: Most consumers can find plans with monthly premiums of $50-$100 per month thanks to financial assistance. More than 8 out of 10 consumers who sign up at HealthCare.gov qualify for financial help to make coverage more affordable. Last year, 4.5 million people were able to choose plans with $0 premiums. Many people also qualify for lower out-of-pockets costs through Cost Sharing Reductions.
  • HOW: Even if none of your information has changed, you may still be able to get a better deal. Shopping allows people to compare plans, including which doctors and hospitals are in-network, as well as premiums and copayments, which can vary. People who receive financial assistance may find they can afford a more comprehensive plan or cover the full cost of one that isn’t quite as robust.

For questions about how to sign up or to talk through options with a trained professional, free help is just a call or click away:

  • By Phone: Marketplace call center representatives are available to help all day, every day at 1-800-318-2596. TTY users should call 1-855-889-4325. Assistance is available in many languages and the call is free.
  • In Person: If you need help with your health insurance application, you can enter your ZIP code at the Get Covered America Connector to make an appointment in your area.
  • Additional Help: You can find free and confidential local help in your community by visiting LocalHelp.HealthCare.gov.
  • Author

    Whitney Pesek

    Senior Policy Analyst

    2028572676

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