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FAQ

Below you’ll find some helpful questions and answers about the Health Insurance Marketplace and Ambetter plans.

Every state has a marketplace for consumers to shop for health insurance. Consumers can shop, compare and select a plan that best fits their needs. The Health Insurance Marketplaces allow consumers to do their shopping online, in-person, over the phone, or by mail. Consumers can look at information such as provider network, benefits, premiums, deductible costs, co-pays, and co-insurance requirements before selecting a plan. Some states have their own marketplaces, also known as state-based exchanges (SBEs). Other states use healthcare.gov.

Anyone can search online for a healthcare plan on their state’s Health Insurance Marketplace. The requirements to get insurance through the Marketplace are:

  • Meet applicable state residency requirements
  • You must be a U.S. citizen, national, or noncitizen who is lawfully present
  • You cannot be currently incarcerated

If you currently receive health insurance coverage from your employer, you likely will continue to receive this coverage. If employer coverage is considered too expensive, you might be eligible to find coverage through your marketplace.

The cost of plans varies by the type of plan you choose. However, you may be eligible for discounts on your plan to help lower your monthly premium amount and other healthcare amounts.  These are known as Subsidies and Cost-Sharing Reductions. Learn more on our Healthcare Savings page! If someone doesn’t receive a subsidy due to income status, they are still able to shop for a health plan on the Health Insurance Marketplace.

This is the set minimum income a family needs for food, clothing, transportation and shelter. The government decides this level. It depends on the size of your family. For more information on the Federal Poverty Level, visit healthcare.gov.

This year, open enrollment on the Healthcare Insurance Marketplace is from November 1, 2018 – December 15, 2018. 

There is one law that introduced many changes to our healthcare system. Some people may call it the Affordable Healthcare Act or Obama Healthcare Plan. However, the law’s actual name is the Affordable Care Act.

Open Enrollment is the time period when you can browse the Health Insurance Marketplace for your health insurance plan. 

When Open Enrollment is closed, you may still be able to enroll in a health insurance plan. To do so, you have to qualify for a Special Enrollment period. This happens when you experience a Qualifying Life Event. Learn more about Special Enrollment.

Some information contained in this FAQ was gathered from these resources:
www.healthcare.govhttp://healthreform.kff.org/