Choice of Health Insurance Plans Offers Customers Financial Relief, Flexibility

Democrats have been on the offense about health care for the first time since the Affordable Care Act passed in 2010

The Trump administration has opened the market to less regulated health care plans in its effort to weaken the Affordable Care Act. The federal government does not have people call to sell policies.

The administration and Republicans in Congress say they are looking to assist those left behind by the ACA - people who don't get subsidies to help them buy coverage and are desperate for less expensive options - even if that means purchasing less robust coverage, Kaiser Health News reported.

The Bureau of Insurance says STLD plans may deny eligibility for coverage or exclude services because of pre-existing conditions and may apply daily, annual and lifetime dollar limits on the amount they will pay out.

The open enrollment period for the Obama-era health overhaul law ends December 15.

Castor said, "Florida could not have led the nation in enrollment in the federal health insurance marketplace last year and in previous years without investment in outreach and unbiased consumer assistance like our Navigators provide".

There is a chart comparing ACA-compliant plans and STLD plans available at the link in the Related Links box.

First, ask for details of any policy, including premiums in writing, and making sure purchasers understand the plan.

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Bill Custer, a health insurance expert at Georgia State University, said that the cut in navigator funding may hurt rural areas that don't have Internet access. While the ACA provides states the opportunity to seek a waiver under Section 1332, sometimes called the State Relief and Empowerment Waiver, they have been hard to obtain.

Federal tax credits are available for those whose household income is between 138 percent and 400 percent of the Federal Poverty Level. For coverage in 2018, about 82 percent of enrollees in DE were eligible for tax credits, which help reduce the cost of the monthly premium. They will also have options for longer duration short term health insurance plans that were not available past year. Bronze plans have low monthly premiums, but high costs when you need care; gold plans have high premiums but lower costs when you need care. "There are a lot of plans where the prices went down". In a silver plan, the insurer pays about 70 percent of medical costs and the consumer pays about 30 percent, up to a maximum annual out-of-pocket cap of $7,350 for an individual and $14,700 for a family. Those four providers are offering a total of 33 different plans this year.

We're told that more than 80% of Mainers that enrolled in Marketplace coverage past year received financial assistance. Open enrollment for the Affordable Care Act - Obamacare - is now underway.

The overall current average monthly premium in DE is $750, reduced to $223 per month after factoring the tax credit.

State-licensed insurance agents and brokers are also available to help individuals re-enroll and to help employers update their coverage, at no extra charge.

Consumers no longer face a penalty for failing to purchase insurance in 2019. Average rates for the 2019 lowest-cost silver and gold plans decreased from previous year for the first time, while the lowest-cost bronze plans modestly increased.

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