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The government still provides Advanced Premium Tax Credits to those individuals with incomes between 100% and 400% of the Federal Poverty Level (FPL) ($12,060-$48,240). The tax credits are used to reduce the cost of premiums for those individuals. In addition, people with incomes between 100% and 250% FPL are eligible to receive Cost Sharing Reduction (CSR) funds. These are subsidies designed to reduce the out of pocket expenses of individuals who qualify. To be eligible for CSR payments, individuals must sign up for their insurance through the federally facilitated exchange at healthcare.gov. The individual mandate is in place. Individuals are required to show evidence of coverage on their tax returns or face a tax penalty. Moreover, as stated above, financial assistance is still available for individuals who qualify. These premium subsidies can help shield individuals from premium increases approved on this year’s exchange products. The Affordable Care Act is still the law of the land. Health plans for individuals who need them are being offered through healthcare.gov. Financial assistance is also still available for those who qualify. Insurers cannot deny coverage based on pre-existing conditions. Open enrollment runs from November 1 to December 15, 2017. There have been significant changes to the health insurance marketplace this year and some plans are no longer being offered in certain areas. Auto-enrollment is still available, but if your plan is no longer being offered, you should have received a letter from your current insurer telling you they have left the market. If that is the case, you will need to sign up for a new plan. Premiums for plans have increased, so it may be advisable to check with an open enrollment navigator (enrollva.org) or an insurance agent during the open enrollment period to review your options.
Transcript of b e t w e e n 1 0 0 % a n d 2 5 0 % F P L a r e WNS JN ;=G ......7gs"; wns jn ;=g 8; 8j=117 8s;...
MYTH BUSTERS: OPEN ENROLLMENT EDITIONWHA T Y OU N E ED T O KNOW A BOU T OP EN E N RO L LM EN T
MYTH: SUBSIDIES ARE NO
LONGER AVAILABLE TO HELP
INDIVIDUALS PAY FOR
PREMIUMS.
The government still providesAdvanced Premium Tax Credits tothose individuals with incomesbetween 100% and 400% of theFederal Poverty Level (FPL)($12,060-$48,240). The tax creditsare used to reduce the cost ofpremiums for those individuals. Inaddition, people with incomesbetween 100% and 250% FPL areeligible to receive Cost SharingReduction (CSR) funds. These aresubsidies designed to reduce the outof pocket expenses ofindividuals who qualify. To beeligible for CSR payments,individuals must sign up for theirinsurance through the federallyfacilitated exchange athealthcare.gov.
MYTH: THE INSURANCE
MANDATE IS NO LONGER IN
PLACE, SO I DO NOT NEED TO
SIGN UP FOR HEALTH
INSURANCE.
The individual mandate is in place. Individuals are required to showevidence of coverage on their taxreturns or face a tax penalty. Moreover, as stated above, financialassistance is still available forindividuals who qualify. Thesepremium subsidies can help shieldindividuals from premium increasesapproved on this year’s exchangeproducts.
MYTH: THE AFFORDABLE CARE
ACT HAS BEEN REPEALED.
The Affordable Care Act is still thelaw of the land. Health plans forindividuals who need them arebeing offered throughhealthcare.gov. Financial assistanceis also still available for those whoqualify. Insurers cannot denycoverage based on pre-existingconditions.
Open enrollment runs fromNovember 1 to December 15, 2017.
MYTH: I ALREADY HAVE
INSURANCE AND IT WILL
AUTOMATICALLY BE
RENEWED NEXT YEAR SO I
DON'T HAVE TO WORRY
ABOUT OPEN ENROLLMENT.
There have been significant changesto the health insurance marketplacethis year and some plans are nolonger being offered in certainareas. Auto-enrollment is stillavailable, but if your plan is nolonger being offered, you shouldhave received a letter from yourcurrent insurer telling you theyhave left the market. If that is thecase, you will need to sign up for anew plan. Premiums for plans haveincreased, so it may be advisable tocheck with an open enrollmentnavigator (enrollva.org) or aninsurance agent during the openenrollment period to review youroptions.
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