Health Insurance Marketplace opens Oct. 1
Individuals, families and small employers can start shopping on Oct. 1 for health insurance under the new Health Insurance Marketplace created under the health care law.
The online Marketplace will open in every state and open enrollment will last until March 31. Consumers will be able to check and see what insurance is being offered, what coverage options are available and whether they are eligible for a new tax credit to help make their premiums more affordable.
Private insurance companies offering plans through the Marketplace must cover most care, including: doctor’s visits, prescription drugs, lab tests, emergency care, hospitalization, rehabilitation services, preventive services, maternity and newborn care, pediatric care and mental health and substance abuse care.
The law requires all but the poorest Americans to have insurance as of Jan. 1, while providing financial assistance for many to make the coverage affordable. Those who already have coverage through their employer or through Medicare, Medicaid or other public programs are not required to purchase new coverage through the Marketplace. Insurance through the Marketplace will be available for people younger than 65 and legally living in the United States, as well as for business owners who employ fewer than 50 full-time people. Anyone incarcerated is not eligible.
There are several additional points consumers should know. For instance:
- More than 7 million people with heart disease or stroke are uninsured, making it sometimes difficult to get the right medical care at the right time, which then can lead to worse outcomes or higher rates of death. Under the law, people with pre-existing medical conditions will be protected and cannot be denied coverage or charged higher premiums.
- About 36 percent of people with heart disease or stroke are uninsured because they’ve lost a job or have recently started a new one. Financial help is available through the Marketplace for most people who are currently uninsured. The amount of financial assistance consumers will qualify for is based on income and family size.
For more information:
Stories available for linking, quoting, excerpting, reprinting
Stories appearing on blog.heart.org under the "By American Heart Association News" byline are available for linking, quoting, excerpting and reprinting. Copyright is owned or held by the American Heart Association, Inc., and all rights are reserved. Permission is granted, at no cost and without need for further request, to link to, quote, excerpt or reprint from these stories in any medium as long as no text is altered and proper attribution is made to the American Heart Association. Additional conditions may apply to the use of these stories in printed materials.
American Heart Association additional conditions for linking, quoting, excerpting, reprinting stories in print media
- A credit line of American Heart Association News must be prominently placed on the page in which the American Heart Association materials appear.
- The American Heart Association logo and service marks may only be used if they appear on the materials requested.
- Stories reprinted may be edited for length, but no other deletions, alterations or other changes may be made without the prior written consent of the American Heart Association.
- Artwork labeled "American Heart Association" may be reprinted, but other artwork may not. For artwork permission questions, contact email@example.com
- Stories reprinted may not be placed adjacent to any advertisement, photo, graphic or other content that could be considered inappropriate by the American Heart Association. For questions about whether content is inappropriate, contact firstname.lastname@example.org.
- Stories may not be displayed in any way that gives the appearance that the American Heart Association endorses (implied or otherwise) or is affiliated with any product, service or company.