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Affordable Care Act (ACA)

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.

The Marketplace for Missouri residents

Open Enrollment in the Healthcare Marketplace is now closed.  However; right now some Missouri residents may be eligible for a special enrollment period.  Click here to see if you may qualify for a Special Enrollment Period (SEP).

 

Get a firsthand look at what the online application looks like for the Affordable Care Act,

 

                           How to create an online application OR   How to compare and enroll in a plan: 

 

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

 

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.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

What is an Exemption?

Starting in January 2014, most people will be required to have insurance if they don't already have it. Most people who do not have insurance will have to pay a penalty to the Internal Revenue Service (IRS) when they file their taxes. Some people will not have to pay this penalty if they qualify for a special circumstance. These special circumstances are called exemptions. Click here to learn more about exemptions and how to apply for one.

Do you have unresolved Inconsistencies with your Marketplace account?

What Will Happen If Inconsistencies 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.

 

What can be done to resolve inconsistencies?

To avoid having their subsidies go down or end, consumers must send in documents to verify their income and/or citizenship or immigration status. We want to help you understand the importance of responding to notices from the FFM.

 

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 a certain day and time.  

 

 

Our Navigators can play a critical role in ensuring that consumers can maintain their coverage by assisting consumers that receive a Marketplace request for additional information.  Navigators can help consumers understand the information they need to send in. The notices you may have received include information about what information needs to be sent, but they may be confusing for some consumers.

 

The best way to see what information must be provided is by going to yourmy accountpage at www.healthcare.gov or give Heartland Navigators a call today at 660-665-8314.

 
 
 
 

Get

Answers-

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

THE AFFORDABLE CARE ACT (ACA)

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/

 

 

LET'S TALK: 660-665-8314
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This project was supported by Funding Opportunity Number CMS-CA-NAV-19-001 from the U.S. Department of Health and Human Services, Centers for Medicare and Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.

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