If you missed open enrollment, you can still sign up for a plan if you:

  • Are not enrolled in an ACA plan for 2015, and
  • Were not enrolled for 2014, and
  • Found out about the penalty while preparing your taxes

Act now! You have until April 30 to get enrolled  Get helpLearn more

You also can enroll if you have a life event like getting married, having a baby, moving, losing your job, or gaining citizenship  See if you qualifyLearn more

Topics to watch: Keeping CoverageConsumer InfoProvider Info

You’re Covered. Now What?

Getting health insurance is just one step in leading a healthy lifestyle. You need to know how to use it. Calculating medical costs, reading prescription labels and using preventative services are a just a few examples of other skills to have.

This literacy brief was developed by the American Institutes for Research to illustrate how a wide gap can exist between what people think they know about health Insurance and what they actually know.

Myths & Facts

MYTH: “ACA plans are not affordable”

FACT: The ACA makes health insurance more affordable by providing financial assistance based on income. Four out of five people who bought a plan on the marketplace received financial assistance, in the form of tax credits and cost sharing subsidies. The law also protects consumers from high costs by placing caps on consumer out-of-pocket spending. (more…)

MYTH: “Because of the ACA I’m going to lose Medicare benefits”

FACT: Medicare benefits will not be altered or cut due to the ACA. No Medicare money is being transferred to the ACA. The projections of reduced Medicare spending are based on cost-saving reforms in Medicare payments to doctors and hospitals. No cuts are being made to benefits. In fact, the ACA adds new benefits for seniors, including an annual wellness visit; and it will gradually eliminate the gap in coverage for prescription drugs. (more…)

MYTH: “People are losing good insurance plans because of the ACA”

FACT: The Affordable Care Act outlawed plans that did not provide a minimum level of coverage. Such plans seemed like a bargain because of the low monthly premiums, but if the patient had a serious illness or injury, the plan would only pay a tiny fraction of the cost, leaving them at risk for bankruptcy. Medical bills account for more than half of all U.S. bankruptcies. (more…)

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