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Find coverage through the Health Insurance Marketplace

The Marketplace at healthcare.gov is designed to offer you affordable health insurance.
Individuals, families and small business employees can use the Marketplace to shop for insurance plans if they do not have coverage from an employer or government (under Medicare, Medicaid or the Veterans Administration).

All plans offered through the Marketplace cover essential health benefits such as doctor visits, emergency care, hospitalizations, prescriptions, and more. Plans also cover preventive care – including checkups and screenings – at no cost to the patient.

Through the Marketplace, people will be able to enroll in and purchase plans online, in-person, and over-the-phone. There are trained experts who can answer questions and provide guidance through the enrollment process.

This year, open enrollment for the Healthcare Marketplace starts November 15, 2015.

How do I apply for coverage through the Marketplace?

You can apply for coverage in three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Visit www.healthcare.gov to apply online and get help.

You can use the Marketplace in any state. Some states operate their own Marketplace; the federal government operates it in the rest.  You can apply for health coverage, compare all your options, and enroll in a plan in one streamlined application through the Marketplace.

4 steps to apply online:

  1. Set up an account at the Marketplace. Provide your basic information, then choose a user name, password and security questions.
     
  2. Complete the online Application. You will provide information about you and your family, such as income, household size and current health coverage. Use this checklist to help  gather what you will need to apply.
     
  3. Compare your options and choose a plan. You will see all the health plan options that you qualify for, including private insurance plans and free and low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs. You will also see details on costs and benefits to help you choose the best plan for you.
     
  4. Enroll online and choose how you will pay your premiums to your insurance company. If you or a member of your family qualify for Medicaid or CHIP, a representative will contact you to enroll. If you have any questions, there is plenty of live and online help.

Helpful resources

I'm on Medicare ... do I need the Marketplace?

Here are five things to know about Medicare and the Marketplace.

Help available in Missouri

OASIS is working with Primaris and other community partners to provide Navigators for the Health Insurance Marketplace. For more information email navigator@oasisnet.org.

Don't understand something?  Use this healthcare glossary.

Health insurance Subsidy Calculator

This calculator helps shoppers find out if they qualify for subsidized insurance coverage through the Marketplace. Middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges. Plug in your zip code, income, family size, age, and tobacco use to see if you qualify.
 

Need more help?

In St. Louis the OASIS Institute is part of a 12-member consortium led by Primaris and funded under the federal Navigator Program to provide one-on-one counseling for people enrolling in the Health Insurance Marketplace in Missouri.

To speak to a Navigator, call (314) 653-4345 or email navigator@oasisnet.org.

For general questions about Medicare or the Health Insurance Marketplace, contact:

Medicare - http://www.medicare.gov
CLAIM (Missouri): 800-390-3330
SHIP (Illinois): 800-548-9034

To schedule an appointment with a CLAIM- or SHIP-certified counselor, call 314-362-7587 in Missouri, or 800-392-0936 in Illinois.

Health Insurance MarketPlace — https://www.healthcare.gov
Hotline: 800-318-2596, (TTY: 1-855-889-4325), available 24 hours a day, seven days a week

 



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