The Marketplace website, HealthCare.gov will be the primary tool for delivering information to Americans about their health coverage options.
Find answers to your questions
The informational wall display in the Magazine Reading Room at the library has handouts from healthcare.gov and insureks.org to provide information about the Health Insurance Marketplace.
Telephone assistance for the Health Insurance Marketplace is available 24/7 at 1-800-318-2596
If you are a consumer and have specific questions about the Affordable Care Act, please visit www.healthcare.gov, the official Affordable Care Act website, for more information. To read more about state-wide healthcare information, view “Healthcare in Kansas” from the Kansas Insurance Department.
Find local application assistance
- Call Certified Navigator Paige Ashley at the Shawnee County Health Agency at 251-2136 to set up a time for assistance in completing Health Insurance Marketplace applications
- Call Certified Navigator Angie Duncan at Valeo Behavioral Health Care at 785-783-3124 to set up a time for assistance in completing Health Insurance Marketplace applications
- Call Christina Bachman at Salina Family Healthcare Center & Smoky Hill Family Medicine Residency Program at 785-825-7251 ext.316 to set up a time for assistance in completing Health Insurance Marketplace applications in the Salina area or for telephone assistance
- Jayhawk Area Agency on Aging also has trained Navigators in Shawnee, Jefferson and Douglas counties. Reach them at 785-235-1367 or 800-798-1366 .
The Kansas Insurance Department provides additional local resources at http://insureks.org.
Visit LocalHelp.HealthCare.gov to find help in your area. More sites will be listed as Navigators complete their training and are certified to assist with applications. You can search by city and state or zip code to see a list of local organizations with contact information, office hours, and types of help offered, such as non-English language support, Medicaid or CHIP, and Small Business Health Options Program (SHOP). These organizations will be able to assist you in finding the kind of help that works for you.
What is the library doing to help?
The Topeka and Shawnee County Public Library is providing information about the Health Insurance Marketplace online and in a display of handouts in the Magazine Reading Room.
We are also partnering to provide sessions on “Navigating the Marketplace” with Certified Application Counselors available to help you complete the online application for the Health Insurance Marketplace and compare insurance options. Those sessions will be held in the Computer Training Center at the library on:
- Tue. Dec. 10, 9 am-12 pm
- *Thu. Dec. 12, 9 am-12 pm *Spanish interpreter available at select dates
- Fri. Dec. 13, 3-6 pm
Library staff cannot assist customers in completing the application or enrollment process, but can provide technology assistance in using the library’s public computers and printers. Librarians can also make referrals to local agencies with trained application assisters.
Get Covered: A one-page guide to the Health Insurance Marketplace (from healthcare.gov)
Here’s a quick rundown on the most important things to know about the Health Insurance Marketplace, sometimes known as the health insurance “exchange.” Follow the links for more information on each topic.
The new Health Insurance Marketplace helps uninsured people find health coverage. When you fill out the Marketplace application we’ll tell you if you qualify for:
- Private health insurance plans. We’ll tell you whether you qualify for lower costs based on your household size and income. Plans cover essential health benefits, pre-existing conditions, and preventive care. If you don’t qualify for lower costs, you can still use the Marketplace to buy insurance at the standard price.
- Medicaid (KanCare) and the Children’s Health Insurance Program (CHIP) (HealthWave). These programs provide coverage to millions of families with limited income. If it looks like you qualify, we’ll share information with your state agency and they’ll contact you. Many but not all states are expanding Medicaid in 2014 to cover more people.
No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace. In some states, the Marketplace is run by the Federal government. Find the Health Insurance Marketplace in your state.
Most people must have health coverage in 2014 or pay a fee. If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for an exemption to this fee. If you enroll by March 31, 2014, you won’t have to pay the fee for any month before your coverage began.
You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.
If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance is unaffordable or doesn’t meet minimum requirements. You also may lose any contribution your employer makes to your premiums.
If you have Medicare, you’re considered covered and don’t have to make any changes. You can’t use the Marketplace to buy a supplemental or dental plan.
Marketplace open enrollment ends March 31, 2014. If you enroll by December 23, 2013, coverage can begin as soon as January 1, 2014.
Questions? Call 24 hours a day, 7 days a week: 1-800-318-2596 (TTY: 1-855-889-4325)
Ready to apply? Learn the 4 ways you can apply for coverage.
(Information from: Get Covered: A one-page guide to the Health Insurance Marketplace, accessed December 9, 2013)
Estimating your costs before you apply
InsureKS.org from the Kansas Insurance Department has created a tool to let you view individual rates for all health plans on the Marketplace. The Rates & Plans page will prompt you to search by your county and age.
Subsidy Calculator: Premium Assistance for Coverage in Exchanges: This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA).
This page updated 12/9/2013