2018 Marketplace Open Enrollment is Here

2018 Marketplace Open Enrollment

Need to re-enroll?  New to the Marketplace? 

We have all you need to know.

 

Enrollment Eligabillity 

To be eligible to enroll in health coverage through the Marketplace, you:

Under the Affordable Care Act, you may be newly eligible for free coverage through NJ FamilyCare if the montrhly income of your “tax household” (the people included on your tax return – adults 19-64) falls below the following amounts:

1 person – $1,387
2 people – $1,868
3 people – $2,349
4 people – $2,829
5 people – $3,310
6 people – $3,791

Children 18 and under are eligible with higher incomes up to 355% Federal Poverty
Level ($7,278 per month for a family of four). *These dollar amounts may change annually.

Important Note: Marketplace Coverage is necessary for anyone who doesn’t have insurance coverage through a job, MedicareMedicaid, the Children’s Health Insurance Plan (CHIP), or other qualifying coverage. If uncovered, you may pay a fee.

Enrollment Process

Go to www.healthcare.gov to enroll

  •      – Depending on income, you may qualify for an insurance plan with tax credits, or for Medicaid/CHIP.

Coverage Options

The New Jersey Department of Banking and Insurance (DOBI) has the rates for each of the 2018 Individual Health Coverage Plans available on their website at: http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcrates2018.htm

Click here to view the monthly rated for all of the plans

Click here to calculate the monthly rate for all 2018 plans to find the plan that best suits you

 

All plans cover Essential Health Benefits

  •      – Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  •      – Emergency services
  •      – Hospitalization (like surgery and overnight stays)
  •      – Pregnancy, maternity, and newborn care (both before and after birth)
  •      – Mental health and substance use disorder services, including behavioral health treatment
  •      – Prescription drugs
  •      – Rehabilitative and habilitative services and devices
  •      – Laboratory services
  •      – Preventive and wellness services and chronic disease management
  •      – Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential
  •        health benefits)
  •      – For more on essential health benefits, click here.
  •      – Pre-existing conditions
    •      – No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for
    •        any condition you had before your coverage started.
    •      – Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health.
    •      – Medicaid and the Children’s Health Insurance Program (CHIP) also can’t refuse to cover you or
    •        charge you more because of your pre-existing condition.
    •      – For more on pre-existing conditions, click here.
  •      – Preventive services
    •      – Most health plans must cover a set of preventive services — like shots and screening tests — at no
    •        cost to you. This includes plans available through the Health Insurance Marketplace.
    •      – These services are free only when delivered by a doctor or other provider in your plan’s network.
    •      – For more on preventive services, click here.

Important Dates to Remember

Enroll by December 15, 2017  for coverage starting January 1, 2018

Additional Information and Resources

Community Health Law Project: http://www.chlp.org/programs

NJ DOBI Individual Health Coverage Program Information, Resources and Buyer’s Guide: http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcmain.htm 

 

Funding for Superstorm Sandy Recovery
Efforts through Generous Grants from:
American Red Cross Robert Wood Johnson Foundation
Mental Health Association in New Jersey, Inc.

Address: 673 Morris Ave., Suite 100
                        Springfield, NJ 07081

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