It’s not quite down to the wire to enroll in a health insurance plan under the Affordable Care Act, but the clock is ticking for Obamacare signups.
If you don’t have health insurance, it’s a safe bet that you’ll find a plan you can afford among the offerings. Is everything perfect? Probably not.
Is it a good deal? For some, it definitely is a good value because there are tax breaks that offset the cost.
Does it make sense to get covered if you’re not? Yes. Accidents happen. People get sick.
Health insurance makes sense. Forget the naysayers and the political pundits who are rich and have good health insurance. The media companies they work for take care of them. And the Koch brothers who funded all those anti-Obamacare ads on TV are rich enough to get any kind of health care and health insurance they want.
Go to Healthcare.gov to enroll
TIPS FOR USING HEALTHCARE.GOV
1. Use the best browser for your computer.
2. Clear the history, cookies and cache.
3. Make sure your computer will accept cookies. You’ll get a big pop-up window.
4. You may not be able to use a mobile device. Best to stick with a desktop, or laptop if you can.
IF YOU TRIED TO SIGN UP ONLINE AND COULDN’T
1. Clear your history, cookies and cache.
2. Sign in with a new user name, email and password.
3. If you have a problem this time, check your junk email file for a notice.
DON’T HAVE A COMPUTER?
If you don’t have a computer at home, there is still time to apply on the phone. You can call 1-800-318-2596, or you can call that number and find out about local people in your community who are working with others to navigate the system.
You can also call and ask for help at 1-800-318-2596.
PENALTY FOR NOT GETTING HEALTH INSURANCE
There is negative reinforcement to try to convince you to get health insurance during the open enrollment period that ends March 31st.
Two formulas determine how much you’ll pay. And you’ll pay whichever amount is higher.
1. One percent of your annual household income.
2. $95 for an adult and $47.50 for a child under 18. The maximum family penalty is $285.00
3. You’ll also have to pay your own health care costs until the next open enrollment period.
APPLYING OUTSIDE OF THE OPEN ENROLLMENT PERIOD
You can only apply outside of the open enrollment period under the these circumstances:
1. You’re getting married.
2. You’re adopting a child or a child is placed in your home.
3. You’re moving to a new area that offers different health plan choices.
4. You’re losing your healthcare coverage after a divorce, because you’ve lost your job, your COBRA is expiring, or you no longer qualify for Medicaid.