Individuals &

More than 1.5 million people in Illinois who were uninsured in 2013 are now are guaranteed access to affordable, quality health insurance coverage. Consumers now need to understand how to navigate the healthcare system and the new health insurance marketplace in order to access coverage, and make use of the healthcare protections and benefits now available.


 Q:   I underestimated my 2014 income for premium tax credits. I'm not able to pay the IRS back by April 15. Will I have an additional penalty?

 A:   No.  You will not have to pay a fine if you don't already owe the IRS money and report the amount of premium tax credits owed in your 2014 tax return.You can file for an extension to pay back the IRS. This release from the IRS explains who will be waived from the penalty and this article from Forbes clarifies the information.

 Q:   Can people with SHOP coverage delay Medicare Part B enrollment without the penalty?

 A:   Yes. A person with SHOP coverage is the viewed the same as a person with an employer group health plan. The same enrollment rules apply. People must enroll in Medicare Part B within 8 months of retirement or their SHOP coverage ending, whatever comes first. This question and answer from addresses concerns Medicare beneficiaries may have about the marketplace.

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Keep Calm and Transition On

This November 2015 toolkit from the Medicare-Medicaid Coordination Office will help people with mental health conditions transition from one care provider to another. Strategies are offered for overcoming barriers to care and for strengthening relationships between the person’s care team members.

Young, Invincible…and Insured!

This November 2015 article from Kaiser Health News reviews five things that the uninsured ages 18-31 should consider when getting health coverage in Open Enrollment number three. The article addresses common reasons that a young adult would not buy health insurance.

5 Pointers for Marketplace Shoppers

This October 2015 explainer from the Commonwealth Fund shares tips for consumers to consider when exploring their health coverage options during Open Enrollment number three.

Savvy Health Insurance Shopping

This comparison worksheet from the Center on Budget and Policy Priorities is for enrollment assisters working with consumers selecting Marketplace plans. It has been updated for the 2015-2016 enrollment period.

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