The enrollment period for 2017 Marketplace
insurance coverage is now underway. While many people view the process as complicated, there are places to turn for help. Pam Laye, Supervisor of Keystone Outreach and Enrollment at Keystone Health, offers some answers to frequently asked questions.
When is the open enrollment period?
The Marketplace opened November 1, and will remain open until January 31. After the Marketplace closes, you can enroll or change plans only if you qualify for a special enrollment period. Circumstances that may qualify you for special enrollment include: marriage, the birth, adoption, or fostering of a child, and a change in your current insurance, income, or citizenship.
When will my coverage begin?
If you enroll or change plans by December 15, your coverage will begin January 1, 2017.
Do I need to do anything if I enrolled last year?
If you do not update your application by December 15, 2016, you will probably be re-enrolled automatically. However, it is best to review your options every year. Prices and plans change annually and there may be a new plan that is more affordable for you. If the plan you selected last year is no longer available, you will likely be enrolled in a similar plan. It is important to make sure your healthcare provider accepts the plan you are using.
If I choose to be uninsured, will I have to pay a penalty?
Yes. If you were uninsured in 2016, you had to pay 2.5% of your total adjusted gross household income, or $695 per adult and $347.50 per child, up to $2,085. In 2017, the 2.5% income penalty will remain the same, but the flat fees will be adjusted for inflation. The amount of the penalty is whichever sum is greater.
How do I enroll?
There are several ways you can enroll. Most people choose to enroll online at www.healthcare.gov, but you can also enroll by phone, with a paper application, or with a trained helper or someone certified in Marketplace enrollment. There are navigators in the community who can meet with you and walk you through the process. They can also help you complete charity applications. You can call (717) 709-7969 for further information or to schedule a free appointment to meet with a Certified Application Counselor.
