070-411Exam Answers - Microsoft 700-505 700-501 648-232: Cisco WebEx Solutions Design and Implementation 640-911 070-462 3I0-012 070-463 RCDD-001Exams - Free VCE Exams For All 070-685 C2020-703 070-688 100-105 070-480 350-018 Sale Best Microsoft070-346Study Material, 070-346 Brain Dumps 117-202 070-412 200-120 117-201 600-199 070-410 M70-201 Latest JN0-643 Questions - JNCIP-ENTJN0-643Certification 70-470 642-887 300-360 300-370 117-101 070-417 Preparing for MTA Exam98-367 200-101 4A0-100 070-347 70-331 70-411 400-101 C9530-404 Pass CISCO300-115 exam - test questions 70-417 1Z0-060 C2090-930 E20-690 642-747 300-101 Cisco 300-206 Practice - Certification Practice Questions 642-732 642-883 200-105 400-351 H12-211 70-417 70-410 70-243 Cisco CCNP Security300-207SITCS: SITCS Welcome 100-101 70-412 4A0-107 352-001 70-487 70-413 Just failed CCNA Security210-260- 96699 - The Cisco Learning Network SY0-401 200-125 300-320 200-310 CISSP PMP 300-075 210-065 210-060 70-534Architecting Microsoft Azure Solutions Certification 70-532 EX200 1Z0-803 210-451 HP0-S42 70-461 HP HP0-S41 Dumps | HP0-S41 Exam Questions - Free Try 640-916 N10-006 EX300 1Z0-434 C_HANAIMP151 Pass SAP C_TAW12_740 exam - test exam - convert vce to pdf AWS-SYSOPS 70-346 2V0-620 300-070 C_HANATEC151 E05-001 JN0-360 2V0-641 Leading Provider on Cisco 642-999 Practice Questions 70-697 300-208 FC0-U51 PW0-071 C_GRCAC_10 IIA-CIA-PART3 Best Cisco 500-260 test Study Guides C_HANAIMP142 98-366 1Z0-047 70-496 70-533 Cisco 810-403 Practice - Certification Practice Questions and Answers 642-998 JN0-343 642-742 220-802 70-486 642-035 Latest JN0-692 Exam Questions and Answers 1Z0-470 CAS-002 PGMP 1Z0-051 156-215.77 102-400 70-696 SK0-004 101-400 Notes for taking the 1Z0-061 Oracle Exam ADM-211 642-996 400-051 70-646 Latest 1z0-574 Questions - Java and Middleware 1Z0-574 Certification 74-343 700-039 1Z0-435 1Y0-401 1Y0-201 CCNA Wireless 200-355 Official Cert Guide 74-344 300-135 712-50 070-496 C2090-311 300-080 640-875 AX0-100 IBM Certified Specialist c2020-701, Best IBM C2020-701 mb6-702 Mercy Health Love County - News

Select an Affordable Health Care Plan

Posted on Friday, November 20th, 2015

 

Open enrollment is underway for consumers affected by the Affordable Care Act.

Under the health care law, uninsured adults under age 65 must endeavor to buy health insurance or risk a tax penalty for being insufficiently insured.

December 15 is the ending date to enroll or change plans for those wanting their new health care plan to become effective on January 1, 2016.

January 31, 2016 is the last date to enroll for 2016 coverage.

Area enrollers are busy now counseling consumers on their plan choices. In Marietta are Big 5 Community Services at 276-3154 and State Farm Insurance at 276-3388. In Thackerville is Pearman Insurance at 276-3672.

Oklahoma had four carriers in its marketplace exchange in 2015, but that will be down to two for 2016 plans. New and renewing enrollees will have to choose from a total of 23 plans offered by Blue Cross Blue Shield of Oklahoma and United Health Care.

Blue Cross Blue Shield dropped its Blue Choice plans, leaving about 40,000 insureds in Oklahoma, including a number in Love County, who will need to switch to plans that use the Blue Advantage or Blue Preferred Networks.

Melodie Schaffer at Pearman Insurance said she advised clients to call their doctors to be sure the physicians accept a plan before enrolling in it.

"Consumers need to look over all the plan choices to find the one that best fits their situation," said Kim Staton at State Farm.

Consumers also can self-enroll at the healthcare marketplace website, www.healthcare.gov. The national helpline offers 24-hour assistance at 1-800-318-2596.

About 150,000 Oklahomans are enrolled in a marketplace plan. Most are receiving federal tax subsidies that reduce the cost of coverage to an "affordable" percentage of income.

The subsidies keep pace with the cost of insurance. When plan premiums go up, the person's subsidy goes up to keep the total cost of coverage within the affordable amount, which ranges from 2 percent to 9.5 percent of income.

Generally speaking, an individual earning between $11,770 and $46,650 or a family of four earning between $24,250 and $95,400 is eligible for some kind of assistance to lower the cost of a marketplace plan.

Marketplace plans cover essential health benefits (such as hospital, doctor, prescription drug, specialists, surgery, mental health care, rehabilitative care, medical devices), preexisting conditions, and preventive care.

In 2015, 75 percent of the Oklahomans who enrolled through the marketplace selected a Blue Cross and Blue Shield of Oklahoma plan. The vast majority qualified for tax subsidies that reduced their premiums.

About 150,000 Oklahomans - 1 in 5 remaining uninsured -- are caught in a "coverage crater." They earn too much for traditional Medicaid but not enough to qualify for subsidies to purchase health insurance on the online marketplace.

Oklahoma has actively opposed expanding Medicaid.

Also, in June, the state lost a lawsuit that would have disallowed subsidies on marketplace plans sold in Oklahoma. The U.S. Supreme Court ruled that Oklahoma consumers could keep their subsidies and continue to purchase marketplace coverage through the federally operated healthcare.gov.