Health Insurance Marketplace
The Affordable Care Act (ACA), also known as "Health Care Reform," requires most American citizens to have health insurance. Understanding your health insurance options, getting the right coverage and properly enrolling, through the Health Insurance Marketplace, can be difficult. We can help.
UnityPoint Health is committed to your health and the health of your family and community. Our Certified Application Counselors on staff can 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, Confidential Meeting Today!
Just call 1-888-275-5235 to make an appointment.
Open Enrollment is Now
If you are not enrolled in a public or private health care plan or do not have insurance insurance through your employer, you are eligible for Open Enrollment.
Open Enrollment for health insurance on the Marketplace is available only during designated time period: November 15, 2014 through February 15, 2015. You can generally buy Marketplace health insurance only during the annual Open Enrollment period.
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).
View Open Enrollment Infographic
UnityPoint Health Can Assist Those Needing to Change Health Coverage Due to Plan Removal
UnityPoint Health is prepared to assist consumers who need to switch health coverage due to one plan's recent removal from the Health Insurance Marketplace.
CoOpportunity Health Plan Not Accepting Enrollment
In late December the Iowa State Insurance Commissioner assumed management of the CoOpportunity Health plan and stopped accepting enrollments on the marketplace exchange due to the plan's declining financial condition.
CoOpportunity Health policies purchased on or before Dec. 15, 2014, will still be honored as long as consumers continue to make premium payments. Consumers who purchased policies after Dec. 16, 2014, will not have coverage and must enroll in another plan by the enrollment deadline of Feb. 15, 2015.
To make an appointment with a UnityPoint Health certified application counselor, call (888) 275-5235. The service is confidential and free of charge.
Learn frequently asked questions for CoOportunity Policy Holders.
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: The Iowa Health and Wellness Plan is a new health insurance program for Iowa Care members.
- 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
Videos: Learn more about Affordable Care Act and the Health Insurance Marketplace