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ACA Changes for 2015

Yesterday was a busy day in the world of the Affordable Care Act (ACA). On Monday, the US Supreme Court announced that closely held religious organizations are not required to purchase plans to give their employees access to contraceptives. The Department of Health and Human Services also announced that individuals who purchased health insurance through the Marketplace will be able to automatically re-enroll in their current plan if they wish to do so. This means that individuals will not have to go back through healthcare.gov to select the insurance plan they already have. However, if those individuals need to report a change in income, want to shop for a new plan, or their insurance company is discontinuing their current plan, they will be able to apply through the Marketplace, just as before.

For individuals who already have health insurance through the Marketplace, the next open enrollment period (Nov. 15, 2014 – Feb. 15, 2015) offers an opportunity to update information and reevaluate their health coverage needs for the coming year.

While the Marketplace has a plan to auto-enroll, they will also be sending mailings on how to update your information to get a tailored and updated tax credit that keeps up with any income changes. Insurance companies will also send letters letting you know of any changes in your policy and/or premium.

If you’ve enrolled in a plan in the Marketplace, please keep your eyes open this fall for letters from both your insurance company and the Marketplace. If you have employment-based insurance, your employer will keep you updated with any changes to your policy, and if you are seeking health insurance, remember that the next enrollment period will be from Nov. 15, 2015 to February 15, 2015. However, please see if you qualify for a special enrollment period before then.

Richland Library will be here during the next open enrollment period to help answer any questions.

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