LAFAYETTE, Ind. (WLFI) - For years the health insurance debate has raged on. But on October 1, President Obama's sweeping health care reform, the Affordable Care Act, will begin open enrollment.
"Just as the state is still getting things together, we're trying to get more information so we can properly advise consumers," Affordable Care Act Navigator Brittany Lovejoy-Haynes said.
Lovejoy-Haynes is a Riggs Community Heath Center employee. She will soon be certified as an ACA navigator. She will be able to answer questions and get people enrolled.
She calls the ACA a game changer by allowing people who previously could not afford health insurance the chance to buy quality subsidized plans.The bill also prevents insurance companies from denying coverage because of pre-existing conditions. It also eliminates yearly and lifetime caps on coverage.
Lovejoy-Haynes said in Indiana the marketplace will have a range of plans from MDWise and Anthem, but we may have to wait and see exactly what those plans are.
"Right now there is still a lot of uncertainty," Lovejoy-Haynes said. "Everyone was late getting everything going. It's evolving."
Lovejoy-Haynes said the biggest point of confusion seems to be what the cost of coverage will be.
"I'm not sure that everyone is aware the federal government is providing funds to help them cover the cost of health insurance premiums," Lovejoy-Haynes said.
If you make under $45,960 or under $94,200 as a family of four, you may be eligible for tax credits through the marketplace.
The Affordable Care Act aims to expand Medicaid. However, those with Medicaid in Indiana may not have as many options.
"In Indiana, if an individual is below 100 percent of the federal poverty limit currently there are no expanded health coverage options," Lovejoy-Haynes said. "That's what we're concerned about. That those individuals are left in the lurch."
Open enrollment continues until March 31, 2014. The earliest coverage will begin on January 1, 2014.
Riggs Community Health Center will host ACA information sessions on Wednesday from 4 p.m. until 6 p.m. at their location at 2326 South St. and on Thursday from 4:30 p.m. until 6:30 p.m. at their location at 1716 Hartford St.
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