Healthcare Marketplace November 1, 2017 thru December 15, 2017 Open Enrollment November 1, 2017 thru December 15, 2017

ALERT LIMITED TIME FOR OPEN ENROLLMENT 6 WEEKS NOVEMBER 1 – DECEMBER 15 DON’T WAIT UNTIL THE LAST MINUTE THE CALL CENTER WILL BE BUSY HEALTHCARE.GOV MAY EXPERIENCE SYSTEM INTERRUPTIONS

Financial Help in the Marketplace In order to determine if you are eligible for financial help, you must submit an application on line, over the phone, with a Navigator or an agent/broker. For those who are eligible, the government pays the health insurance company directly for a portion of your monthly health insurance premium, you pay the rest. The insurance policies on healthcare.gov are private plans that are listed after you submit your application along with premium prices and plan details. Submitting an application does not mean you must enroll, it allows you to review options. You have the option to look up providers and prescription medications before you enroll to determine which options are best for you. 92% of Floridians who enrolled qualified for financial help

Open Enrollment Period Changes The New Open Enrollment starts from 11/1/2017 thru 12/15/17 for coverage in 2018. You must make your initial premium payment before January 1, 2018 for coverage to be effective. If you missed premium payments during 2017 and lost your coverage, you may have trouble enrolling for 2018. You must pay your premiums that are past due for 2017 to get caught up. 

Why are open enrollment dates important? Open enrollment is the only time consumers can enroll in a health plan on the individual market without qualifying for special enrollment. Getting sick or having an accident does not qualify for a special enrollment. Those who miss open enrollment may find themselves with no other options and may end up owing a fine when they file taxes. The penalty is 2.5% for those who are not enrolled in coverage meeting the requirements of the law or qualify for an exemption. Individual $695 or 2.5% of income Family $2,085 or 2.5% income Maximum = $13,100 Individuals and families with incomes under 100% of the Federal Poverty level qualify for an exemption from the penalty.

ALERT LIMITED TIME FOR OPEN ENROLLMENT 6 WEEKS NOVEMBER 1 – DECEMBER 15 DON’T WAIT UNTIL THE LAST MINUTE THE CALL CENTER WILL BE BUSY HEALTHCARE.GOV MAY EXPERIENCE SYSTEM INTERRUPTIONS

The Importance of Submitting Supporting Documents When scheduling an appointment, bring the following documentation: Valid Government ID (eg: Drivers license, passport or government ID) Social Security Card Information that Validate Immigration Status Tax return or documents that verify your income such as Social Security statements, pay stubs, or bank statement that supports that your income is deposited directly into your account Providing supporting documents information ahead could save you from your Health insurance from being terminated or an increase in your premium because the tax subsidy was removed

Special Enrollment Process (SEP) What is SEP or Special Enrollment? Special Enrollment is when a consumer applies for coverage outside of open enrollment period Consumers may apply outside the enrollment period if there is a life changing event causing the person to lose coverage or become newly eligible for coverage. Moving and losing coverage Having a baby Change in marital status causing loss of coverage Being released from incarceration Changing or losing a job where there was coverage

Special Enrollment Period (SEP) Changes Beginning on June 23, 2017, new applicants who qualify for certain types of SEPs will be required to submit documents that confirm their SEP eligibility before they can enroll in using their Marketplace coverage.

Moving from Marketplace to Medicare For those with a Marketplace plan who are turning 65 sometime this year. Once you’re eligible for Medicare, you’ll have an Initial Enrollment Period to sign up for Medicare. For most people, the Initial Enrollment Period starts 3 months before their 65th birthday and ends 3 months after their 65th birthday. You can not be eligible for Medicare and receive tax credits. If you are enrolled in the Marketplace with tax credits while you are eligible for Medicare, you will pay back the tax credits when you file taxes. If you need to transition during the year, contact a Navigator or the Marketplace call center 1-800-318-2596.

ALERT LIMITED TIME FOR OPEN ENROLLMENT 6 WEEKS NOVEMBER 1 – DECEMBER 15 DON’T WAIT UNTIL THE LAST MINUTE THE CALL CENTER WILL BE BUSY HEALTHCARE.GOV MAY EXPERIENCE SYSTEM INTERRUPTIONS

Free Navigator Assistance Please contact Health Planning Council of Southwest Florida to schedule an appointment with a Navigator near you (866) 547-2793 Consumer may schedule a Navigator appointment online by going to our website www.enrollswfl.com