If you do not have health insurance, you may be eligible for coverage in the Marketplace! Get informed on how to sign up.
The new health care law — called the Patient Protection and Affordable Care Act or “Affordable Care Act” for short— was passed in 2010. The law will ensure that more Americans have access to quality, affordable health care. Starting in 2014, most people will be required to have health insurance or pay a penalty. Coverage can be through your employer, an insurance company, a government program such as Medicaid or Medicare or insurance bought in the Health Insurance Marketplace. You can sign up Oct. 1, 2013, to March 31, 2014.
Where can you go to get more information?
- VISIT WWW.HEALTHCARE.GOV – the official site of the federally facilitated marketplace in Texas. Here you can make comparisons of benefits and prices and determine if you may be eligible to receive financial assistance depending on household size and income. Live chat is available. You can also sign up to receive Marketplace emails and text message updates.
- Visit www.enrollsa.com – the official site of the Bexar Health Marketplace.
- CALL 1.800.318.2596 – Get help with completing an application over the phone and have your questions answered 24/7. TTY users may call 1.855.889.4325.
- IN-PERSON ASSISTANCE – In San Antonio there will be several locations where you can gain access to paper applications and internet access to include several City of San Antonio Library Branches. In some cases, in-person assistance may be available through a trained Navigator or Certified Application Counselor.
Are you a small business?
- CALL 1.800.706.7893 – Are you a small business with 50 or fewer employees? Call Monday through Friday, 9 a.m. to 5 p.m. EST for questions about the Small Business Health Options Marketplace (SHOP) or visit healthcare.gov. TTY users may call 1.800.706.7915.
How can I prepare to apply?
- The Marketplace offers different types of health plans to meet a range of needs and budgets. First, you will need to figure out how much you are able to spend on health coverage per month. Documents you should begin to gather include:
Social Security numbers (or document numbers for legal immigrants)
- Birth dates for members of your household
- Pay stubs, W-2 forms, or “Wage and Tax Statements”
- Policy numbers for any current health insurance
- Information about health insurance you or your family could be eligible for through your jobs
Are you part of an organization that wants to help?
- BECOME A CAC ORGANIZATION by applying to sponsor Certified Application Counselors that can help people enroll for coverage. For more information visit marketplace.cms.gov.
- BECOME A CHAMPION FOR COVERAGE – Visit marketplace.cms.gov and register to become recognized as an official “Champion for Coverage.” Learn more about how your organization can send your partners/staff/members/customers to the official consumer sources to learn about signing up for health coverage through social marketing tools, printing and displaying informational materials and other helpful tips to help spread the word!
Who is eligible?
It is estimated that there are between 100,000 and 300,000 people in Bexar County who are eligible for subsidized insurance through the Marketplace. Most uninsured with annual incomes between 100 percent and 400 percent of the federal poverty level (FPL) are eligible: $24,000 to $94,000 for a family of four and $11,500 and $46,000 for an individual. Unfortunately, there are no subsidies available to those who make less than 100 percent of FPL. The ACA Marketplace is an especially good source of affordable, high quality health insurance for those who are self employed, unemployed, work for small companies that do not offer insurance, students and work part time.
How affordable is affordable?
Indicated preventive care is free. Preventive care is essential to your well-being. Such things as diabetes and cholesterol screenings, mammograms, colonoscopies, immunizations and one check-up per year are free under all Marketplace plans. Coverage also includes services like flu shots, smoking cessation and diet counseling.
- Financial help to pay for sick care. All Marketplace plans cover, with varying levels of required patient contribution according to type of plan: extra doctor visits, hospitalizations, medicines, diagnostic testing and more. Monthly premiums are subsidized depending on age, family size and household income. Those with lower incomes will received larger subsidies and pay less. For example, for medium level “silver” coverage*:
*Select a “silver” or less expensive “bronze” Marketplace insurance plan and get an estimate for the monthly premium for your family at kff.org. You will go through a similar process at healthcare.gov.
Young family of four earning $53,000/yr
60 year old couple earning $25,000/yr
|Young adult earning $18,000/yr