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 "What do I do now?"
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.
Individuals who have Medicare, whether through Original Medicare or a
Medicare Advantage Plan,
will not be affected.
Iowa Care Program:
The current program will change in January 1, 2014. Learn more about these changes.
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:
, 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
Get Ready for Enrollment
Enrollment Begins October 1, 2013
You can enroll from October 1, 2013 to March 31, 2014. Coverage begins as early as January 1, 2014.
To prepare for enrollment, you can learn about different types of health coverage, research your questions, and figure out what you need to know before open enrollment begins.
UnityPoint Health has Certified Application Counselors 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.
Schedule a free meeting today!
Click here to make an appointment online
- or -
schedule by calling 1-888-275-5235
What do I need to bring to my meeting?
- Social Security Numbers (or document numbers for legal immigrants) for every person that will be included on your application
- Employer and income information for household members applying for coverage (Paystubs / W-2 forms / Wage and Tax Statements)
- Policy numbers for current health insurance plans for your household
- Employee Coverage Tool sheet completed for every-job-based plan that a household member is eligible for even if they are not currently enrolled
Videos: Learn more about Affordable Care Act and the Health Insurance Marketplace