Getting Started in the Marketplace
People living with epilepsy who've had a hard time securing affordable health insurance because of pre-existing conditions can now purchase health plans through the health insurance marketplaces, and may even qualify for government assistance to cover the cost of premiums. Read more about the ACA here.
What is the Health Insurance Marketplace?
Health Insurance Marketplaces offer a choice of different health plans for individuals and families can shop for coverage if they need to buy health insurance on their own. Premium and cost sharing subsidies are available for low income individuals and families. Individuals and families with very low incomes will also be able to find out at the marketplace if they are eligible for coverage through Medicaid and CHIP. Small businesses can also buy coverage for their employees through the Small Business Health Options Program (SHOP) Marketplace.
How do I Access my State's Health Insurance Marketplace?
Everyone can access their state's Health Insurance Marketplace, whether it is run by the federal government or by their state, at www.healthcare.gov. Some marketplaces are operated by the state and have a special state name, while in other states which chose not to set up and operate their own marketplace, the federal government is running the marketplace.
How do I Compare and Select a Plan?
The Epilepsy Foundation has designed a checklist to help individualsevaluate their health care needs and compare plans offered on the marketplace. When choosing a plan, individuals should be looking not just at premiums but also at other factors like the formulary and cost sharing requirements, which will impact access to care and total costs. Click here to view the checklist.
Who Can Help Me Navigate the Enrollment Process?
There are Navigators and other groups and individuals certified to help with enrollment questions in every state. If you have questions about the marketplace you can reach out to your state's Navigators. These organizations have staff who can provide one-on-one help to individuals navigating the new health insurance marketplaces. There are other community groups who can help you, including In-Person Assistors, Certified Application Counselors and insurance brokers. Click here to view the list of Navigators in your state.