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    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)
    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)
    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)
    Ebook58 pages38 minutes

    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)

    By Louise Norris

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    About this ebook

    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016) is loaded with information designed to give consumers a head start on health plan shopping before the start of the Affordable Care Act’s three-month open enrollment period (November 1, 2015 through January 31, 2016).

    The second edition of the consumer guide – written by health reform expert Louise Norris and published by healthinsurance.org – offers a step-by-step process for selecting and purchasing the right health plan and saving time in the process. Chapters focus on topics such as:

    • Avoiding the ‘Obamacare penalty’

    • How to spend less time enrolling

    • Whether you can still keep your pre-ACA policy 

    The 10-chapter guide also explains why there’s never been a better time to enroll.

    Norris, a licensed agent for more than a decade, has been studying the ACA and its provisions and closely monitoring private plan enrollment for several years. The author has also interviewed state insurance commissioners, marketplace representatives and HealthCare.gov officials to assess exchange improvement efforts that will make enrollment more consumer friendly.

    LanguageEnglish
    Publisherhealthinsurance.org
    Release dateOct 13, 2015
    ISBN9781519907868
    The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)

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      Book preview

      The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016) - Louise Norris

      The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016)

      By Louise Norris

      Copyright © 2015 by healthinsurance.org, LLC

      All rights reserved. No part of this book may be used or reproduced in any manner whatsoever without written permission from healthinsurance.org except in the case of quotations used in journalistic articles / reviews about this publication.

      Chapter 1

      About this guide

      Although the Affordable Care Act’s first open enrollment started off with some obvious glitches, hiccups and outright failures in the Fall of 2013, things were certainly looking up in the latter half of the first open enrollment, and the 2014-2015 open enrollment was a much smoother process.

      Nearly 10 million people were enrolled in exchange plans and had paid their premiums as of June 2015. At the same time, Medicaid enrollment (which continues year round) has grown by 14 million people – and millions more Americans had enrolled in private ACA-compliant plans outside the exchanges (off exchange).

      Millions more Americans now have real health coverage. So you might wonder, Are we there yet? Not quite.

      Despite the dramatically expanded coverage, 26 states still had double-digit uninsured rates in 2014. Nationwide, more than one in ten people are without health insurance coverage, and there are still four million people who have no access to coverage at all, because they live in states that haven’t expanded Medicaid. We’ve got a long way to go.

      But the tide is turning. With each passing day, more and more Americans are learning that comprehensive – and affordable – health coverage is now within reach. Thanks to health reform, millions more consumers will look forward to this open enrollment, knowing that their health conditions will no longer be a reason for denial of coverage.

      As observers of the individual health insurance market for more than two decades, we expect that the growing wave of interest in the upcoming open enrollment period – an enrollment that compresses millions of applications and renewals into a three month window – could make enrollment a little dicey.

      Don’t discourage. On the pages that follow, health insurance expert Louise Norris has put together a an helpful guide to open enrollment. The Insider’s Guide to Obamacare’s Open Enrollment (2015-2016) is filled with updated information that will help you better understand your health coverage options under the Affordable Care Act. It’s filled with tips that will help you shop wisely in or out of the health insurance exchanges – and do it without pulling out your hair.

      We hope you find the information useful – and we wish you well.

      Chuck Smith-Dewey, Founder

      healthinsurance.org

      Chapter 2

      10 reasons why it's time to enroll

      If you're reading this eBook, it's possible that – for whatever reason – you still haven't enrolled in a health plan that's compliant with the requirements of the Affordable Care Act. Or maybe you're enrolled, but you have friends or family members who are still holding out – and they need a little convincing.

      If you've decided that you simply don't need health insurance, you need to read this before you go any further.

      But if you've waited to enroll in ACA-compliant coverage because you still have reservations about Obamacare, or you're worried that you won't

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