Health Insurance Open Enrollment Information (November 1-December 15)

Open Enrollment Period for Health Insurance

1. Shortened Enrollment Period: Nov. 1 – Dec. 15.

Uninsured consumers and those renewing their Marketplace coverage must complete their enrollment between November 1 and December 15, 2017.

2. New insurance rates in Pennsylvania are higher than expected.

Insurance premiums in PA will go up in average 30.6% in 2018, much higher than had been anticipated. This increase should not impact most people who qualify for financial assistance because the financial assistance will get higher to protect people from these rate increases.

3. Plan options may change their out-of-pocket coverage.

It’s important that consumers actively return to the Marketplace, update their applications, and browse new plan options. Some additional rule changes will impact the amount of out-of-pocket costs covered under certain plans, so consumers should check how these changes might impact them.

4. Insurance companies can check on past unpaid premiums.

Insurers are now allowed to postpone new enrollment in health plans if a consumer has unpaid premium debt with the same insurer since June of this year. Consumers who think they may have this kind of debt should contact the insurer now to confirm the debt and discuss repayment. This issue will not impact people who enroll with a different insurer for 2018.

5. The Bottom Line: Be Proactive.

Returning enrollees should log into their Healthcare.gov accounts before November 1 to be sure their profile information is current and ensure they remember their passwords.

Source: Consumer Health Coalition


Fast Facts   (Shared from the Office of Commonwealth Libraries) 

1.     The enrollment period started November 1 and ends on December 15.

2.     Consumers can find free enrollment help at https://localhelp.healthcare.gov.

3.     Consumers who know they are eligible for financial assistance can shop on the exchange at https://www.healthcare.gov.  (Remember: the site will not be available during open enrollment from midnight until 12 p.m. on every Sunday except December 10.)

4.     Consumers’ Checkbook, a plan comparison tool that was released by the Pennsylvania Department of Insurance last year, now displays plans for 2018.  It allows shoppers to compare on- and off-exchange plans using a variety of factors, including monthly premium and estimated yearly cost. The plan comparison tool is also valuable for those who do not qualify for financial assistance and could be affected by the rate increases necessitated by the Trump Administration’s decision to end payments for cost-sharing reductions.

5.     For more information on 2018 rates and additional resources for shopping for health insurance, visit www.insurance.pa.gov.

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Additional Resources:

Consumer Health Coalition is available to assist people through the open enrollment process for the ACA. November 1 – December 15.   Free help from Certified Navigators by calling 412-456-1877For more details: http://consumerhealthcoalition.org/2017/10/06/get-ready-for-open-enrollment-with-chc/

Community HealthChoices Phone and mail enrollment is now open.  Starting on November 13, 2017, enroll online and check enrollment status. PA CHC Helpline at 1-844-824-3655 (TTY:1-833-254-0690) – open Monday through Friday from 8:00 a.m. to 6:00 p.m.

www.enrollchc.com & www.HealthChoices.PA.gov