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Stay Insured

How do you use it and keep it!

Pay your Insurance Premiums on Time!

Late payments can result in loss of coverage!  Be aware of your insurance providers grace periods (if any) for paying late.  

Your insurance will not start until you’ve made your first payment (which much be received by your insurance provider at least one day before coverage is to begin.)

Be proactive in keeping up with payments and changes – this is your responsibility (don’t count on reminders from others)

Reporting Changes

Changes in your income and household should be reported to the Marketplace as soon as possible.  Often changes affect your premium tax credit and you don’t want to have any unpleasant surprises when you file your tax return!  Learn more about this by using the Change Estimator provided by the Taxpayer Advocate Service.  Other changes may qualify you to get insurance or change your current plan outside of the open enrollment period.  To learn more about what types of changes to report, click here.

Special Enrollment Periods

You can purchase affordable care act insurance after January 31, 2016 only if you qualify for a special enrollment period.  Examples of life events that would enable you to do so are:  

  • certain changes in your income
  • changes in your household/family size (such as marriage, divorce, birth or death)
  • moving to a new state or location outside of your current insurance coverage area
  • losing health insurance that provided minimum essential coverage
  • becoming a U.S. citizen, U.S. national, or gaining lawfully present status
  • being released from incarceration
  • exceptional circumstances (such as survivors of domestic violence or abuse or spousal abandonment)

For more details, please refer to the SEP-Reference-Chart provided by Health Reform: Beyond the Basics

Coverage to Care

Want to learn more about the 8 steps on your Roadmap to health? Click here for an overview or watch the 11 video series below:

 

Things change and life goes on – make sure your insurance does also.
You’ve got insurance. Now what? Don’t skip these steps if you want to stay insured! Do you know the reporting requirements for life changes and how you might be able to purchase insurance after open enrollment ends on Jan 31st, 2016?

Health Care Minutes
with Susan Wilson
Affordable Care Act Project Navigator
Council on Aging of Buncombe County

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