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

  Schedule a free meeting today!

Click here to make an appointment online 
-  or -
schedule by calling 1-888-275-5235  

View what you need to bring to your meeting.

Appointments are available in these regions:
  • Cedar Rapids
  • Des Moines
  • Fort Dodge
  • Peoria
  • Quad Cities
  • Sioux City 
  • Waterloo 

 
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.

Coverage

  • 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 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
- Hospitalization
- 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.
  • Enroll 
  • Get answers to questions online or by phone.

Reach the Marketplace

Online:  www.healthcare.gov 
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