This morning the Supreme Court made
an important decision about the Health Insurance Marketplace. Their ruling
means that consumers will continue to receive quality affordable health care
coverage no matter where they live.
Consumers may have questions about
what today’s decision meant for their lives. For consumers getting their
coverage through the Health Insurance Marketplace, this means that nothing has
changed.
We have posted additional
information about what the Supreme Court decision means for consumers at HealthCare.gov/Decision.
This information is included below – feel free to share.
I purchased health insurance
from the Health Insurance Marketplace or HealthCare.gov.
Great news! Your affordable quality
coverage has not changed. The Supreme Court has confirmed that if you qualify,
you can still get financial help to lower the costs of your health care no
matter where you live. This means that consumers in every state will continue
to be eligible for premium tax credits, lowering the average consumer’s costs
by $272 each month.
So, nothing has changed for you.
You can still use your health insurance as long as you continue to pay your
bills.
As a reminder, tell the Marketplace
about any changes to your household, income, and insurance status to get the
most accurate tax credit.
I have health insurance
through my employer or purchased it on the individual market.
While the Supreme Court case did
not directly impact you, you are probably already benefiting from increased
financial and health security because of the health care law. These provisions
include: banning discriminatory practices such as denying coverage to people
with pre-existing conditions and dropping people from coverage when they get
sick; guaranteeing access to insurance when you change jobs , lose a job, or
strike out on your own; providing better benefits like guaranteed access to
free preventive care; preventing medical bankruptcy by banning annual caps on
coverage of essential benefits and requiring new annual limits on out-of-pocket
costs; improvements in the care you receive through incentives that promote
quality of care and time spent between patients and doctors; and allowing young
adults to stay on their family's plan.
I don't have health
insurance.
Visit HealthCare.gov
or call 1-800-318-2596 to see if you can still get coverage for 2015. You may
qualify for a special enrollment period due to a life change like marriage,
having a baby, or losing other coverage.
The Supreme Court confirmed that if
you qualify, you can receive financial assistance, including a premium tax
credit, to make coverage more affordable no matter where you live. On average,
consumers enrolled in the Marketplace are receiving $3,260 per year in tax
credits, or $272 each month. About 8 in 10 consumers could find coverage for
$100 or less with tax credits through the Marketplace.
The Open Enrollment period for 2015
is over. Open Enrollment for 2016 starts on November 1, 2015.
You may also be eligible for
Medicaid or your family could be eligible for the Children's Health Program
(CHIP). There is no deadline to enroll so if you qualify, it's never too late
to get coverage. Medicaid and CHIP provide free or low-cost health coverage to
millions of Americans, including some low-income people, families and children,
pregnant women, the elderly, and people with disabilities. People qualify for
these programs based on their household size, income, and other factors, like
age and disability. When you fill out your application you'll find out if you
and your family qualify. Visit HealthCare.gov or your State Medicaid office for
more information.
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