LAFAYETTE, Ind. (WLFI) - The Affordable Care Act (ACA) may be confusing for people trying to sign up for insurance and for people who aren't sure if they need to sign up. The United Way of Greater Lafayette worked Wednesday to answer any questions there might be about the law.
Nearly 25 people gathered to learn more about the Affordable Care Act. Lesley Morgan was one of them. She said she got a lot out of a forum focused on the ACA.
"I am covered by a large group insurance, so I know it's not going to impact me as much. I have a 26-year-old son and I would like to find him some insurance because he's only working part time," said Morgan.
Panelists from Riggs Community Health Center and insurance providers answered the questions in a forum was hosted by United Way of Greater Lafayette and AFL-CIO Community Services. Mindy Anderson-Wallis with Employee Benefit Solutions of Indiana, an insurance provider, said many people are confused and think the ACA is already done with and everybody's safe. She said everybody needs to ask themselves, "Is this something I need to sign up for?"
"If you're an individual who doesn't have insurance, you are going to be subject to a penalty next year if you do not purchase insurance, whether it's through your employer or individual basis in an exchange or out of an exchange. You need to ask that question," said Anderson-Wallis.
Anderson-Wallis said one thing she wanted people to walk away with Wednesday night was they need to know their doctors and health care providers before they select a plan on the marketplace. She explained that you may save $40 a month on one plan, but only have access to hospitals several miles and counties away.
"I think there's been so much misinformation, or misleading, and it's been so politicized that people don't, they don't look past that to see what really it might or might not do for them," said Morgan.
ACA Navigator Brittany Lovejoy-Haynes with Riggs said the number one question she gets is "How much is health insurance going to cost?" She doesn't like to give a definite answer because it varies and prices depend on age and family size. For people in Tippecanoe County, there are 28 plans offered by three agencies. She said the website for the marketplace should be fully functioning by the end of November.
Some important dates to pass along include:
- December 15: Deadline to apply and select a plan
- December 31: Pay the monthly premium
- January 1: If you meet those deadlines, coverage will begin
- March 31: Open enrollment ends
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