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The Marketplace for Missouri residents

More Missourians than ever now have access to health coverage under the new federal system and most people qualify for help in paying for their insurance. Heartland Health Insurance Navigator Program would like to explain to our community about how the Health Insurance Marketplace can help their family or small business employees.

Health Reform Frequently Asked Questions (FAQs) by the Kasier Foundation: http://kff.org/health-reform/faq/health-reform-frequently-asked-questions/ 

Click  "Advance Premium Tax Credit"  or  "Cost Sharing Reductions" to learn more about what they mean.

 

Enter your information in this tool to calculate what, if any, tax credits you may be eligible for.                            

  Courtesy of the Kaiser Family Foundation.

THE AFFORDABLE CARE ACT (ACA),  
      ("Obama Care" or Patient Protection & Affordable Care Act)

We have all heard a lot about the Affordable Care Act (Obama Care), some true, some false.                 Find out for yourself what it means for you and your situation.

The health care law, sometimes known as "Obamacare," was signed March 23, 2010.  Now more Missourians than ever now have access to health coverage under the new federal system and most people qualify for help in paying for their insurance. Heartland Health Insurance Navigator Program would like to explain to our community about how the Health Insurance Marketplace can help their family or small business employees.

 

You can read the entire Affordable Care Act law by visiting.

https://www.healthcare.gov/where-can-i-read-the-affordable-care-act/

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Use this checklist of documents you’ll need to fill out your application (PDF)  when going  to a Navigator appointment:

Exemptions? What are they?

Starting with the 2019 plan year (for which you’ll file taxes by July 15, 2020), the penalty has been reduced to $0.00. (The fee is sometimes called the “Shared Responsibility Payment” or “mandate.”) If you don’t have coverage during 2019 or later, you don’t need an exemption in order to avoid the penalty.

Inconsistencies?  Do you have an unresolved inconsistency? What Will Happen If They Are Not Resolved?

The Federally Facilitated Marketplace (FFM) will terminate subsidies for consumers whose citizenship or immigration status inconsistencies are not resolved.  Consumers with income inconsistencies will either have their subsidies terminated, or see their subsidies decrease if inconsistencies are not resolved.

 

To resolve inconsistencies and to avoid having subsidies to end or be reduced,  consumers must resolve them by sending in documents to verify the inconsistency for things such as; income and/or citizenship or immigration status. Heartland Navigators will help you understand the importance of responding to notices from the FFM and what you will need to do in order to resolve them.

*NOTE: The fact there is an inconsistency does not mean the consumer is not eligible; it just means additional checking has to take place to confirm eligibility and the amount of assistance the consumer should receive. 

Immigrant Families:

Affordable coverage options are available in the Health Insurance Marketplace for immigrant families.  If you’ve recently moved to the United States and had a change in your immigration status, continue reading 10 things immigrant families need to know about the Marketplace.

 

Reporting a life change;  

Once you have Marketplace coverage, it’s important to report life changes. This information may change the coverage or savings you’re eligible for.  Click on 7 things to know about reporting life changes:

 

Other Language Resource Links:  

Visit the Marketplace in Spanish at https://www.cuidadodesalud.gov/es/   For help in another language other than English visit the Marketplace at www.healthcare.gov.   Or call your local Heartland Navigators at 660-665-8314 and we may be able to schedule a translator in advance for your appointment.  

 

 
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More info...

 

Our Navigators play a critical role helping you maintain continuous healthcare coverage for you and your family.

  Navigators are trained to assist you with a variety of tasks. Take a look "here" to view  a few services we offer that can answer your questions and explain notices you may receive from the Marketplace. 

 Call your Heartland Navigator Program today at 

                                 660-665-8314.  Monday - Friday 8am-5pm CT                                                                                                                  (closed 12-1 for lunch)