WHAT YOU SHOULD KNOW ABOUT THE HEALTH INSURANCE MARKETPLACE 1

HAVING HEALTH INSURANCE IS IMPORTANT ! No one plans to get sick or get into an accident, but having health insurance is important so that when you find yourself in a pickle your health insurance will help protect you from high costs. 2

YOU HAVE OPTIONS Half of single young adults eligible for the Health Insurance Marketplace could get coverage for $50 or less You can enroll in your student health plan You can stay under your parents plan until you turn 26 You may be eligible for Medicaid (you can apply year round) 3

10 ESSENTIAL HEALTH BENEFITS All marketplace plans cover 10 essential benefits and you cannot be denied coverage based on a preexisting condition 4 4

WHEN TO APPLY Open Enrollment November 15, 2014, through February 15, 2015 go to Healthcare.gov and see what options you have. Don’t think you can afford health insurance? Apply anyways, you may qualify for subsidies which may be able to lower your monthly costs or you may qualify for Medicaid, which is another lower cost option for coverage. 5

QUICK & EASY PROCESS STEP 1: Create an account. Go to the Marketplace and select your state to begin. Provide some basic information, then choose a user name, password, and security questions for added protection. 6

STEP 2: APPLY Provide information about you and your family, like income, household members, current health coverage, and more. You can apply on the phone, online, by mail or with an in-person assister. 7

STEP 3: PICK A PLAN See all the options you qualify for, including Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will let you know if you qualify for lowers costs on private health coverage. Find out how to choose a plan that’s right for you. 8

STEP 4: ENROLL After you choose a plan, don't forget to enroll online and contact your insurance company to pay your first premium by the due date. 9

MISSED OPEN ENROLLMENT? SPECIAL ENROLLMENT PERIOD If you have a qualifying life event or a complex situation related to applying in the Marketplace you may be eligible for a SPECIAL ENROLLMENT PERIOD. A special enrollment period is a time outside of the open enrollment period during which you and your family have a right to sign up for coverage. 10

SPECIAL ENROLLMENT PERIODS Turn 26 Graduate Move to a different State Get married Have or adopt a child Start a new job Become a U.S. citizen 11

Spread the word! Empower your community, gain real life experience, and be a change agent! One-on-one conversations Social media Campus-wide awareness Your student org can become a Champion for Coverage resources/assister-programs/champion.html 12 HELP OTHERS GET COVERED How? 

Connect with a local community agency to support their outreach Findlocalhelp.healthcare.gov Become trained and certified to assist people with enrollment Countless opportunities: Large enrollment events, promote events and services, assist clients with basic computer skills, provide health insurance literacy sessions, conduct one-on-one enrollment assistance, and many more! Learn more about how you can help: Marketplace.cms.gov 13 VOLUNTEER

USE & ENJOY YOUR HEALTH INSURANCE 14 Created by : Pedro Montenegro, University of California, Riverside Jennifer Ledesma, University of California, Irvine