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A new survey reveals that the population with the highest rate of uninsurance cares about health coverage, but needs more information about options.
South Dakota has two carriers offering plans in the individual market in 2018, as was the case in 2017. Initially, the approved rate increases for 2018 were based on the assumption that CSR funding would continue, but the insurers were allowed to file new (higher) rates in October when CSR funding was eliminated. Enrollment in SD's exchange had increased each year since 2014, which differs from the national trend of declining enrollment in 2017 and 2018. Rate filings for 2019 will be available in August, 2018.
For 2019, Oscar expanded its coverage area, and there were no insurer exits from the exchange (after several exits in 2017 and 2018). Average rates increased by just over 2 percent in Texas in 2019, after growing sharply in 2018 and 2019.
Medica, Blue Cross Blue Shield of Kansas, and Sunflower/Ambetter are offering plans for 2019 in the individual market in Kansas. Average approved rate increases were all single-digit, and for Medica, Kansas regulators approved a significantly smaller increase than the insurer proposed.
If you're already enrolled in an exchange plan but have become newly eligible ... or newly ineligible ... for subsidies, you'll have a 60-day special enrollment period during which you can switch to a different plan. And starting in 2020, off-exchange enrollees will be able to switch to the exchange if they become newly-eligible for premium subsidies.
Voters in Nebraska approved a ballot initiative in the 2018 election that calls for Medicaid expansion. 90,000 people in Nebraska will become newly eligible for Medicaid coverage, but expanded coverage won't be available until October 2020.
While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The Trump Administration eliminated federal funding for cost-sharing reductions, but the benefits are still available to eligible enrollees. And because the cost of cost-sharing reductions has been added to premiums, premium subsidies are much larger than they were prior to 2018.
A guide to individual health insurance in New York, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare.
So what are your options if you’re not eligible to enroll in an ACA-compliant plan and short-term plans are not for sale in your area?
If your health plan renews outside of open enrollment, you have access to a special enrollment period – either in the exchange or outside the exchange – that begins 60 days in advance of your plan’s renewal date, and continues for 60 days after your plan renews.