- “When is the 2017 Open Enrollment?”
- November 1, 2016 — January 31, 2017
- “Now that open enrollment has ended what are my options? ”
- You may qualify for a Special Enrollment Period (SEP)! For information please call a Keogh Navigator at (602) 266-0397 or click here to see if you qualify for a SEP.
- “I heard that I can be penalized for not having health insurance. How does this work?”
- The fee for not having health coverage is calculated one of two ways. If you or your dependents don’t have insurance that qualifies as minimum essential coverage you'll pay either a percentage of your household income or a flat fee -- whichever is higher.
- “If I don’t qualify for insurance through the Marketplace,
what can I do?”
- You can apply to see if you are eligible for AHCCCS, Arizona’s Medicaid. You may qualify for Medicaid based on your income and family size.Keogh Health Connection can help you with your questions and offers FREE application assistance. Call us at (602) 266-0397 for more information or to schedule an appointment.Find more information about what is required to apply:
- If I missed the Open Enrollment deadline and don’t qualify for a Special Enrollment Period, when can I buy a Marketplace health plan?
- The Open Enrollment Period for 2017 coverage will begin in the fall. In the meantime, you can sign up for Marketplace emails to get timely reminders to help you enroll next year.
- “Am I able to change my plan at any time?”
- You have two options.
If you qualify for a Special Enrollment Period you can change your plan at any point. Learn more about Special Enrollment Periods here.
Or, you must wait until the next Open Enrollment Period, which will be in the Fall, and re-select a plan at that time.
- “Once I have enrolled in a plan, when will my coverage begin?”
If approved, you must enroll and pay your first premium by the 15th of the month for coverage to begin on the 1st day of the next month.
For example: The 15th of the month is the last date to enroll for coverage that starts the 1st of the following month.
If you enroll and pay your first premium on the 16th of the month or after , your coverage will not begin until the first day of the following month.
For example: You enroll April 16, 2016. Your coverage will not begin until June 1, 2016.
Date of Enrollment / Renewal Effective Date of Coverage April 1, 2016 - April 15, 2016 May 1, 2016 April 16, 2016 – April 30, 2016 June 1, 2016 May 1. 2016 - May 15, 2016 June 1, 2016 May 16, 2016 – May 31, 2016 July 1, 2016 June 1, 2016 - June 15, 2016 July 1, 2016
- “I know there are different levels of health plans on the federal Marketplace. How are they different and how much do they cost?”
- There are 5 categories of coverage in the Marketplace. Plans in each category pay different amounts of the total costs of an average person’s care. This includes the plans’ monthly premiums, deductibles, copayments, coinsurance, and out-of-pocket maximums. The actual percentage you’ll pay in total or per service will depend on the services you use during the year.
Levels of Coverage Plan Pays You Pay (In addition to the monthly plan premium) Bronze 60 Percent 40 Percent Silver 70 Percent 30 Percent Gold 80 Percent 20 Percent Platinum 90 Percent 10 Percent Catastrophic These plans pay less than 60% of the total average cost of care on average. They’re available only to people who are under 30 years old or have a hardship exemption.
- “What should I consider when choosing a plan?”
It might be tempting to choose a plan simply because it has the lowest monthly premium. There are many other things to consider before making a plan selection.
Here are some questions to ask yourself when making the decision:
What will guide a person in choosing
a “Qualified Health Plan” (QHP)?
Are my doctor and specialist on the health plan network? Are my medications covered? Can I get dental coverage? Which plan fits my budget but still meets my needs? New Tools for Consumers in 2016 Doctor Lookup Feature Perscription Drug Lookup Feature Out of Pocket Cost Feature
- “What is a QHP & what does it cover?”
Helping Arizonans Connect To
The Insurance Marketplace
Cover Arizona is a coalition of more than 600 organizations statewide that is committed to increasing health coverage. We are engaged in building awareness of opportunities available through the Health Insurance Marketplace and AHCCCS, Arizona’s Medicaid.
Members are actively engaged in local outreach activities and are committed to ensuring that trained enrollment assisters are available for consumers seeking coverage.