November 1 opens registration at Obamacare: what has changed

Фото: Depositphotos

1 November opens registration for health insurance in accordance with the Law on Affordable Care, ACA Obamacare. Regardless of whether you are one of the 10 millions of Americans who are already registered or intend to register for the first time, these are the key points you need to know.

1. Registration period will be reduced by 6 weeks

Open registration period in Obamacare on 2018, the year runs from November 1 to December 15 for 39 states that use healthcare.gov for individual and family insurance. This is six weeks less than last year. You shouldn’t put it off for the last days, because if a website or call center cannot process a huge amount of applications quickly at this time, you risk missing registration in time.

Some states have their own deadlines. For example, the state of New York has kept the latest registration date, as in the past year - January 31. Here is a list of all the states where there are own programs with different terms.

2. Terms and prices have changed

First, a shorter registration period means that existing consumers Obamacarewho do not take any action during the open registration will be automatically credited after the end of the open registration. If you are dissatisfied with your plans, but skip the deadline for open registration, you will not be able to perform such actions as last year, when you were automatically registered on January 1, but you could change plans until January 31.

Second, the recent move by the Trump administration to stop paying expenses Obamacare changed pricing this year. According to the consulting firm Avalere, contributions for Silver Plans this year will increase by an average of 34%. This is bad news if you are 15% of consumers who claim subsidies. But this may be good news if you meet the requirements, as help has grown to match the rising base price of the Silver Plan. According to analysts Wall Street Journal, more and more consumers than in previous years, will find that their subsidy covers the entire cost of the Bronze Plan. Moreover, consumers living in certain places may find that the Golden Plan is worth less than Silver, according to the analysis. New York Times.

Фото: Depositphotos

3. No health insurance? You can still pay the fine.

Despite numerous Republican efforts to abolish and replace ObamacareThe ACA is still the law of the land. And that means you still have to pay a fine, if you don't subscribe for health insurance, for some exceptions.

4. Changes in Florida

The cost of insurance in Florida has increased by an average of 45% for 2018 a year, but thanks to subsidies, insurance will be the best deal in 2018.

Individual consumers who earn between $12 and $000 per year—or between $48 and $000 for a family of three—may qualify for financial assistance to lower their monthly costs. Of the approximately 20 million Floridians covered by the ACA in February 000, more than 80%, or 000 million, received a subsidy that lowered their monthly costs.

Those consumers who are not eligible for subsidies should buy on the exchange, where insurers sell plans with a lower increase in cost than plans sold on the ACA exchange in healthcare.gov .

The penalty for qualified individuals who cannot register for coverage is more than $ 695 per adult and $ 347,50 per child.

In addition, the IRS said it would reject all tax returns that do not meet the ACA requirements for qualified coverage in 2017.

5. Changes in California

In 2018, rates are expected to exceed 12,3%, but consumers in most areas Bay area will see much smaller increases—about 4 to 8%—according to the data Covered californiareleased last summer.

During the 2018 year exchange Covered california allowed insurance companies to artificially increase the cost of the popular Silver 12,4% plan to cover losses.

Subsidized consumers should not be adversely affected because their monthly subsidy paid by the federal government will increase by about the same amount.

Subsidies Obamacare, which often significantly reduce insurance premiums, will continue to be available to any California legal citizen earning less than 400% of the poverty rate in the federal district. This is $ 98 400 for a family of four.

To calculate the cost of your plan, you must go through link.

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How to avoid a fine if there is no health insurance

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