3 ways: report income & household changes

3 ways: report income & household changes

If you have Marketplace health insurance and your income or household changed — like if you had a baby, got a raise, or someone in your household got new job-based coverage — you should update your application as soon as possible.

See the full list of changes you should report.

Why it’s important to report changes

  • Certain changes may qualify you for a Special Enrollment Period, allowing you to change plans outside Open Enrollment.
  • The changes may also affect the savings and coverage options you qualify for.
  • If you don’t report changes, you could wind up owing more—or less—when you file your next federal tax return.

3 ways to report changes to the Marketplace

Get more information on reporting changes after you’re enrolled.

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New parents: You have health insurance options

3 ways: report income & household changes

If you gave birth or adopted a baby in the past 60 days, you may qualify for a Special Enrollment Period to enroll in or change Marketplace health plans for the rest of 2017. Your new coverage can start the day of the birth or adoption—even if you enroll in the plan up to 60 days afterward.

Enroll through a Special Enrollment Period

  • To apply for Marketplace coverage for the rest of 2017 through a Special Enrollment Period, create an account or log into an existing one.
  • You may be asked to submit documents, like a birth certificate, to confirm the birth or adoption.

More on Special Enrollment Periods

  • Having a baby isn’t the only life event that qualifies you to enroll in a plan outside Open Enrollment.
  • You may also be eligible if you’ve had other life changes, like getting married, moving, or losing health coverage you had through a job.
  • Answer a few questions to see if you qualify.

Learn more about getting coverage outside Open Enrollment.

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3 health insurance options for college graduates

3 ways: report income & household changes

If you recently graduated from college, you may have new options for getting health insurance. Check out these 3 options for a range of plan types and costs:

Buy your own Marketplace plan

You may be eligible to enroll in Marketplace health insurance for the rest of 2017 if you qualify for a Special Enrollment Period. You may qualify if:

  • You’re moving to or from the place you attended school
  • You lose other health insurance, like if your student health plan has run out or you’re dropping off your parent’s plan
  • You experience other life events, like having a baby or getting married

Not sure if you qualify? Answer a few questions to find out.

Get added to your parent’s plan

If your parent’s health insurance plan covers dependents, you can usually be added to their plan. They may be able to add you to an existing Marketplace plan through a Special Enrollment Period, as long as you’re under 26.

See if you qualify for Medicaid or CHIP

If you’re working part time, planning your next move, starting a business, or otherwise aren’t making much money, you may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). To see if you qualify, enter your household income and size. We’ll tell you the programs you may be eligible for. If you qualify, your coverage can start right away.

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Move recently? Get a 2017 health plan through a Special Enrollment Period

3 ways: report income & household changes

If you or your family are moving soon (or you moved in the past 60 days), you may qualify for a Special Enrollment Period to enroll in health coverage. This means you may be able to enroll in Marketplace health insurance that covers you for the rest of 2017, even though Open Enrollment is over.

What kinds of moves qualify?

  • Moving to a new home in a new ZIP code or county
  • Moving to the U.S. from a foreign country or U.S. territory
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they live and work
  • Moving to or from a shelter or other transitional housing

Moving only for medical treatment or staying somewhere for vacation doesn’t count.

Apply through a Special Enrollment Period

To apply for Marketplace coverage for the rest of 2017 through a Special Enrollment Period, create an account or log into an existing one. When you apply, you may be asked to submit documents to confirm your move.

Note: Moving isn’t the only life event that qualifies you to enroll in a plan outside the Open Enrollment Period. You may also be eligible if you’ve had other life changes—like getting married, having or adopting a baby, or losing coverage you had from a job. Answer a few questions to see if you qualify.

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Enroll in Medicaid & the Children’s Health Insurance Program (CHIP) any time

3 ways: report income & household changes

Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans. If you qualify for these programs, your coverage can start right away, any time of year.

Who qualifies?

  • In all states, Medicaid and CHIP provide health coverage for eligible children, parents, pregnant women, elderly people with certain incomes, and people with disabilities.
  • Many states have expanded their Medicaid programs to cover all adults below a certain income level.
  • To see if you qualify, enter your household income and size, and we’ll tell you if expanded Medicaid coverage for people in your income range is available in your state.
  • Children in families with income too high to qualify for Medicaid may still be eligible to enroll in CHIP.

How can I apply?

  • You can apply through the Marketplace or directly with your state Medicaid or CHIP agency. Choose your state for your Medicaid agency’s contact information.
  • When you fill out an application through the Health Insurance Marketplace®, if it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment.

Get more information

Find out more about Medicaid and CHIP, including how to apply.

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3 tips for using your Marketplace health insurance

3 ways: report income & household changes

Now that you have Marketplace health insurance, here are 3 tips for getting the most out of your health coverage:

Understand your deductible

  • A deductible is the amount you have to spend for covered health services before your insurance company starts to pay. So, if your deductible is $1,000, your plan won’t pay for most services until you’ve spent $1,000 out-of-pocket for covered health care services that apply towards your deductible.
  • It’s important to know which services in your plan don’t count towards your deductible. Some plans cover primary care visits before you meet your deductible–you just pay a copayment. Other plans offer discounts on drugs, including generic drugs.
  • Read your plan materials carefully to see what’s covered before you meet your deductible.

Find an “in-network” doctor you trust

  • Even if you don’t need care right now, it’s important to find a doctor you can trust who’s in your plan’s network. Contact your insurance company to find out which providers are “in-network.”
  • If a provider is “out-of-network,” it usually costs you more.
  • Networks can change, so check with your provider each time you make an appointment.

Take advantage of free preventive health services

  • All Marketplace plans cover recommended preventive health care at no cost when delivered by an in-network provider. This includes immunizations for children and adults, annual well visits for women, obesity screening, and counseling for people of all ages.
  • See the full list of covered services.

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Remember to pay your monthly premium to your health insurance company

3 ways: report income & household changes

If you enrolled in a 2017 health plan, you must pay your premium to your health insurance company, not to the Health Insurance Marketplace®. Your coverage won’t start until you do.

How do I pay my premium?

  • Insurance companies handle payments differently and set their own payment deadlines.
  • Follow the instructions from your insurer about how and when to make your premium payment.
  • If you haven’t received details on how to pay, contact your insurer.

How do I know if I paid?

  • Call your insurance company directly to confirm your payment status.
  • Find their phone number on your plan brochure or their website.

What happens if I don’t pay my premium?

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Keep 2017 health coverage information current

3 ways: report income & household changes

If you’re enrolled in a 2017 health insurance plan, here’s what you need to know to get the full benefit of your health coverage and keep it up-to-date:

Activate your coverage & pay your first month’s premium 

  • You must pay your first premium directly to the insurance company — not to the Health Insurance Marketplace®. Your coverage won’t start until the insurance company gets your payment.
  • Insurance companies handle payments differently. Follow your insurer’s instructions about how and when to make your payment.
  • Learn more about paying your premium to complete your enrollment.

Update your income & household information if it changes

  • Report any life changes — like changes in income, household size, or residence, or other coverage offers — as soon as they happen.
  • These changes may affect your insurance coverage or savings and your taxes next year.

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Don’t miss the deadline to file 2016 taxes & report your health coverage!

3 ways: report income & household changes

The April 18 tax filing deadline is less than one week away. No matter if you got your health coverage through the Marketplace, your job, or another source, you must report your 2016 coverage status to the IRS when you file.

If you had a 2016 Marketplace plan with premium tax credits

  • You should have received tax Form 1095-A, Health Insurance Marketplace® Statement in the mail. You can also get this form in your online Marketplace account. See how to find it.
  • Use your Form 1095-A to "reconcile" your health insurance tax credit on your return. If you used less premium tax credit than you qualify for, you'll get the difference as a credit. If you used more, you’ll pay the difference with your federal taxes.
  • If you don’t file a 2016 tax return and reconcile, you could lose any advance payments of the premium tax credit beginning in 2018.

Need tax help?

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No 2017 health insurance? See if you can still get coverage

3 ways: report income & household changes

If you didn’t enroll in Marketplace health insurance during the 2017 Open Enrollment Period, you may still be able to get coverage for the rest of 2017 two ways.

2 ways to get covered for the rest of 2017

Start an application if you know you qualify

If you already know you qualify for a Special Enrollment Period, Medicaid, or CHIP, you can start an application now.

Create an account for the first time or log in to an existing one to get started.

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