Commentary

Get your health insurance TODAY

healthcare.govIf you don’t have affordable health insurance through an employer then now is your chance to shop for a plan on the individual market. New options are now available and many people can get help paying premiums. In fact, in 2014 more than 90 percent of people who enrolled in an insurance plan through healthcare.gov in North Carolina received financial assistance, and of this group the average premium was $80 per month. This is for a comprehensive policy.

The current open enrollment period  stretches until February 15, 2015, but if you want your benefits to start on January 1 then today is the day to purchase a plan. This is true no matter when you bought insurance in 2014.

The website is working smoothly these days but you don’t have to navigate the process by yourself. Plenty of health insurance agents are ready to assist you. Also, application counselors and navigators based at nonprofits around the state can help. They are all volunteers or grant funded and have no financial incentives to steer you toward any particular company or plan. You can check out this website to find help in your area. You can also call 1-855-733-3711.

It is especially important to shop around even if you bought a policy. If you don’t actively switch plans then you will be automatically reenrolled. But with new options and more companies competing in the state reenrollment is unlikely to get you the best deal. As with most products, you need to shop around.

Another reason to buy a policy today is that you aren’t stuck with the plan you choose. To prevent a gap in coverage you can purchase a policy now and continue investigating your options during open enrollment. As long as you act before February 15 then you can opt for a different plan. Last year once you chose a policy you were stuck. This year you can change plans during the entire open enrollment period.

Unfortunately, many people trying to obtain coverage will discover that they fall into the Medicaid gap in North Carolina. Because the state legislature has refused to expand Medicaid working families earning less than 100 percent of federal poverty level may still find coverage unaffordable, and they won’t get help paying premiums. If our lawmakers choose to act in the next legislative session then most struggling citizens will be able to obtain comprehensive insurance.

 

 

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