News & Events

Health Insurance Marketplace Open Enrollment begins!

Published on: 11/01/2016

The Health Insurance Marketplace is gearing up for the fourth open enrollment period beginning November 1, 2016 and ending on January 31, 2017. Are you ready? Would you like some help?

Through the Health Insurance Marketplace (Marketplace) you will be able to apply, compare options and find out if you are income eligible for assistance to lower premiums and reduce out-of-pocket cost – similar to last year. The four insurance carriers offering plans for 2017 in the Marketplace for the State of New Hampshire are: Ambetter, Anthem, Harvard Pilgrim Health Care, and Minuteman Health.

The Health Insurance Marketplace will continue to offer premium tax credits to help reduce the monthly insurance premiums. The amount of the credit is calculated based on your income and household size. The credit can either be applied to reduce your monthly premium or received when you file your income tax return. It is your choice! Additionally, your income level and household size may also qualify you for cost-sharing reductions in out-of-pocket expenses like co-payments, deductibles, and co-insurance. It is important to keep your income and family size updated in the Marketplace to ensure you are receiving all the cost-saving measures you are entitled to.  Key dates: November 1, 2016: Open Enrollment starts — first day you can enroll, re-enroll, or change a 2017 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2017. December 15, 2016: Last day to enroll in or change plans for coverage to start January 1, 2017. January 1, 2017: 2017 coverage starts for those who enroll or change plans by December 15.

January 31, 2017: Last day to enroll in or change a 2017 health plan. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

Whether you are new to the Marketplace or re-enrolling go to Healthcare.gov; the insurance carriers will continue to have Bronze, Silver, Gold and Platinum plans for you to compare, but remember only Silver plans will reflect any income eligible savings in the form of premium and cost sharing reductions.  Changes to income and family size need to be reported through the Marketplace and can affect cost which is why it is important to review your options each year. After you’ve reviewed your options, you may decide to keep your current plan and if you’ve had no income or household size changes, you don’t need to do anything else and your current insurance company and the Marketplace will send you renewal information around November 1st.

Get a head start by updating or creating an account on Healthcare.gov now, then the only thing left to do during open enrollment (November 1st, 2016 – January 31st, 2017) will be to select a plan.

If you have any questions, the call center at Healthcare.gov is free and always available at 800-318-2596. If you would like someone to help you explore your options, Mid-State offers assistance to the community at no cost at its offices in Bristol and Plymouth.  Mid-State is also offering Marketplace assistance in a variety of locations in the region including Ashland, Bristol, Danbury, Lincoln, Plymouth, New Hampton, Thornton and Warren.  Just call 603-536-4000 Ext: 1450 to get started.

Between November 1st and January 31st, Mid-State will host enrollment fairs throughout the region:

Plymouth
Mid-State Health Center – Plymouth Office
Saturday, November 19th
10:00 am – 1:00 pm

Bristol
Mid-State Health Center-Bristol Office
Saturday, December 10th
10:00 am – 1:00 pm

Lincoln
Lincoln Public Library
Saturday, January 7th
10:00 am – 1:00 pm

Make window shopping for health insurance a priority this holiday season, whether online, at an outreach location or an enrollment fair. Get connected, ask questions, and then make an informed choice, it is really that easy! Let health insurance and the security it provides be the gift you give yourself and your family; have a safe, happy and healthy holiday season!