Health Insurance Marketplace
The Obama administration passed the Patient Protection and Affordable Care Act (ACA) in March 2010. One goal of the law is to change the healthcare system by getting more Americans affordable health coverage.
The Health Insurance Marketplace provides an easy way to find affordable health insurance. By filling out the application, you can find out if you are eligible for private insurance, Medicaid, the Children’s Health Insurance Program (CHIP), or discounts on health insurance.
Enroll through Healthcare.gov today, or stop by St. Thomas Community Health Center to help you start an application!
Frequently Asked Questions
Q: What is the Health Insurance Marketplace?
A: The Marketplace is a new way to get affordable health insurance. It is part of the country’s Affordable Care Act (ObamaCare).
Q: Who is the Marketplace for?
A: It is for people without insurance, & will provide affordable health insurance options. It is also for people with health insurance, who may be able to find more affordable options.
Q: What if I have a pre-existing condition?
A: It’s ok! With the Marketplace, you can’t be turned down, can’t be charged more, and can’t be denied coverage because of your condition.
Q: How much will I pay for the insurance?
A: The insurance is discounted based upon your income. Your Enrollment Specialist will be able to go over an estimate of pricing.
Q: Am I eligible for the Marketplace?
A: To buy insurance in the Marketplace you must:
- Live in the United States
- Be a United States citizen, national or be in the country legally
- Not be incarcerated
Q: Why do I need to enroll?
A: If you meet the guidelines and do not enroll, there is a penalty and you may have to pay a fee.
Q: When can I enroll?
A: The enrollment period is from October 1st to March 31st. Come to St. Thomas for “Enrollment Fridays” every other Friday starting October 11th, from 1pm-4pm.
Q: How do I enroll?
A: In person-You can come to St. Thomas and meet with an Enrollment Specialist. Online-You can enroll online at Healthcare.gov. Just be sure to select St. Thomas as your health provider.
Q: What information do I need to bring to enroll?
- Social Security Number (or document #s for legal immigrants)
- Employer & income information for ever member of your household who needs coverage (i.e. Pay stubs, W-2)
- Policy #s for any current health insurance plans that cover members of your household
Q: What does Marketplace health insurance cover?
A: Insurance plans in the Marketplace will offer the same set of essential health benefits. Some plans may offer additional coverage and your Enrollment Specialist at St. Thomas can help you review these plans.
Essential Health Benefits
- Primary care & specialty care services (outpatient care you can get without being admitted to a hospital)
- Chronic disease management & preventative wellness services
- Pediatric Services
- Laboratory Services
- Emergency Services
- Hospitalization (such as surgery)
- Maternity and newborn care (care before and after your baby is born)
- Mental Health and substance use, including behavioral health treatment (includes counseling & psychotherapy)
- Prescription drugs
- Rehabilitative services and devices (services to help people with injuries, disabilities, or chronic conditions to gain or recover mental & physical skills)