Health Insurance Exchange Coverage Information
Open Enrollment is October 1, 2013
through March 31, 2014
Frequently Asked Questions
What is a Health Insurance Exchange or Marketplace?
A Health Insurance Marketplace or Exchange is a new way that Americans can compare and shop for health insurance in their state.
Beginning October 1, 2013 until March 31, 2014, you can sign up. You may even be able to get help paying for your new insurance. Coverage will begin on January 1, 2014 or later, depending on when you enroll.
Depending on where you live, your Health Insurance Marketplace or Exchange will be run by the state or by the federal government. In California and Nevada, the exchanges will be run by the respective states, while Arizona has chosen to participate in the federal government exchange.
How can I enroll?
Starting October 1, 2013, you will be able to sign up
- Online – dignityhealth.org/enroll for more information
- By phone
- In California, 1-855-233-0688
- In Arizona, 1-855-874-9313
- In Nevada, 1-855-835-0822
When does the new health coverage begin?
Coverage through the Exchanges begins on January 1, 2014, as long as you have enrolled by December 15, 2013. After that, coverage will begin the first of each month as long as you have enrolled by the 15th of the previous month.
Who is eligible for insurance through the Health Insurance Marketplaces?
- You must live in the U.S.
- You must be a U.S. citizen or national, or a lawful resident
Even if you don’t qualify because you are not a U.S. citizen, other members of your family might be eligible for coverage. There is no penalty for applying, and your information will not be used for any purpose other than determining if you and your family members qualify for health coverage.
Also, health plans available through the Health Insurance Marketplace aren’t the only new form of coverage available. Even if you cannot afford to purchase insurance through the Exchanges or Marketplaces, you may still qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). Even now, many Americans who qualify for these programs are not currently enrolled.
How much will it cost to enroll?
It doesn’t cost anything to apply and learn what coverage options you qualify for, what they will cost, and what financial help you can receive. Once you know your options, you can decide what health insurance plan is best for you and your budget.
How much financial help can I get with the cost of coverage?
If you enroll through a plan through the Health Insurance Marketplace, you may be eligible for financial assistance. The amount of money you would have to pay each month depends on your income. The same application that will be used to determine what coverage options you qualify for will also tell you how much financial help you can get.
What is Medicaid, how is it changing under the new law, and how does that affect my insurance choices?
Medicaid is a health coverage program that exists in every state. In California the program is called Medi-Cal. States set the rules about who can enroll in Medicaid. In the past, coverage has been mostly limited to low-income children, their parents, pregnant women, and people with disabilities. But starting in January 2014, many states are expanding coverage under Medicaid and allowing more people to enroll.
One application will be used to determine eligibility for coverage through the Health Insurance Marketplace, and for Medicaid and the Children’s Health Insurance Program (CHIP).The same application will help every member of the household determine what coverage and financial assistance they are eligible to receive.
Which states are expanding Medicaid coverage?
States are making decisions about whether to expand Medicaid. States can choose to expand Medicaid at any time, including after January 1, 2014. Arizona, California and Nevada are expanding Medicaid coverage under the new law.
Where can I get help enrolling?
Please visit Dignity Health’s open enrollment website at dignityhealth.org/enroll for more information on enrolling.