The Young Adult's Health Insurance Checklist
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.
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- When you use the Health Insurance Marketplace, you’ll fill out an application and see all of the health plans available in your area. You’ll find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs.
- The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).
- You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Telephone help and online chat will be available 24/7 to help you complete your application.
- Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014.
Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can’t charge women more than men for the same plan.
While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out if your state is operating the Marketplace by using the menu at the bottom of this page. If your state runs the Marketplace, you’ll get health coverage through your state’s website, not this one.
In the Marketplace information about prices and benefits will be written in simple language. You get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. Compare plans based on what’s important to you, and choose the combination of price and coverage that fits your needs and budget.
The Affordable Care Act Needs You!
The White House has made abundantly clear that the Affordable Care Act’s success depends largely on getting young, healthy people to sign up for health coverage.
This demographic is important — and also thought to be an especially tough sell. Young adults tend to have lower health-care costs and would be less likely to use their health plan. Paying a monthly premium when you don’t expect to get sick doesn’t sound like the greatest deal.
That’s what makes some early health law data surprising: A few signs are cropping up that, at least initially, young people have been among the more enthusiastic Affordable Care Act shoppers.
Access Health CT, Connecticut’s marketplace, said earlier this week that approximately one-third of the people who have so far applied for coverage there are under 35. This would hover around the administration’s goal of having 2.7 million of the 7 million estimated new people to enroll be between 18 and 35.
Maryland put out new data Friday afternoon on the 25,000 people who have so far created accounts on its marketplace. The biggest demographic? Shoppers between 25 and 29.
Early numbers do suggest at least some level of interest from young shoppers does indeed exist as open enrollment gets underway.
If that wasn’t enough, here’s a special message from one of your favorite celebrities about why the Affordable Care Act needs you: