Health Insurance Marketplace
The Affordable Care Act (ACA), also known as "Health Care Reform" requires most American citizens to have health insurance starting in 2014. So you are probably asking yourself, "Does this affect me?" or "How do I get insurance?"
We Can Help
UnityPoint Health is committed to your health and the health of your family and community. To help you through any confusion of the Affordable Care Act, UnityPoint Health has Certified Application Counselors on staff to help you understand your health insurance options and make sure you are properly enrolled for the right health coverage at no cost to you.
Find Out What Health Care Reform Means For You!
New Law Overview
The Affordable Care Act (ACA) requires almost everyone legally living in the U.S. to have health insurance beginning March 31, 2014. The ACA is intended to help more people get affordable health care coverage and receive better medical care.
People not required to buy insurance include: people with certain religious beliefs, members of Native American tribes, undocumented immigrants, and people who are in prison. People whose income is below a certain level are also not required to buy insurance. Use the tools available on Healthcare.gov to find eligibility.
The law also provides financial assistance to those who qualify based on family size and income.
If you don't buy coverage and go without it for three months or longer, you'll be charged a tax penalty by the government. If you lack coverage for a period of fewer than three months, you will not be charged a penalty for that period of time.
- No one can be turned down for coverage because of a medical condition, and all Americans should be eligible for some form of coverage, whether through their employer, the new statewide Health Insurance Marketplaces, Medicare, or Medicaid.
- Medicare Coverage: Individuals who have Medicare, whether through Original Medicare or a Medicare Advantage Plan, will not be affected.
- Iowa Medicaid: As of December 31, 2013 the IowaCare program has ended. Learn more about Iowa Medicaid.
- Illinois Medicaid Programs. Learn if you are eligible to receive health coverage through other Medicaid programs in Illinois.
- The insurance you purchase from private health plans must cover a comprehensive set of benefits. All plans found in the Marketplace include these benefits.
| The essential health benefits include at least the following items and services:
| - Ambulatory patient services |
|- Emergency services|
|- Laboratory services|
|- Maternity and newborn care|
|- Mental health and substance abuse use disorder services
|- Preventive and wellness services and chronic disease management|
|- Pediatric services, including oral and vision care|
|- Prescription drugs|
|- Rehabilitation services and devices|
If your current insurance does not provide these services, you may be subject to tax penalties.
About the Health Care Marketplace
The Health Insurance Marketplace is a resource to educate and guide you through the enrollment process. The Marketplace allows you to:
- Compare different health plans, benefits, costs and the four levels of options including: platinum , gold, silver and bronze
- Estimate if you qualify for financial assistance or special programs.
- Get answers to questions online or by phone.
Reach the Marketplace
Phone: 1-800-318-2596 TTY: 1-855-889-4325
Open Enrollment Information
Open Enrollment for health insurance on the Marketplace is available only during designated time period. You can generally buy Marketplace health insurance only during the annual Open Enrollment period.
Upcoming dates to know:
- Ongoing/throughout the year: Medicaid or Children's Health Insurance Program (CHIP) enrollment
- November 15, 2014: 2015 Open Enrollment starts
- December 31, 2014: Coverage for Marketplace health insurance plans bought in 2014.
- February 15, 2015: 2015 Open Enrollment ends.
To buy Marketplace health insurance outside of Open Enrollment, you must qualify for a Special Enrollment Period due to a qualifying life event such as marriage, birth or adoption of a child, loss of other health coverage, or if you are applying for Medicaid or the Children's Health Insurance Program (CHIP).
Learn more about special enrollment periods and other health insurance options after the Open Enrollment period.
Videos: Learn more about Affordable Care Act and the Health Insurance Marketplace