Nov. 3—People who get health insurance through the Affordable Care Act marketplace can now pick or change plans for 2022.
Open enrollment season started
This year is not the time to leave signing up to auto pilot, experts say. Examining your options could save you hundreds of dollars on premiums.
That's because this season, more subsidies are available. A host of other changes to take note include a longer open enrollment and more plans available in many counties.
"This can be a complicated and confusing process, but we're here to help as a consumer protection agency and insurance resource,"
The state's website also has more information, French said, and the department's health insurance experts are ready to answer questions, which can be reached at 1-800-686-1526 and email [email protected].
In recent years, open enrollment in
"We always encourage folks to enroll early. That way you don't get caught up in the rush at the end," said
Another change is that starting in 2022, people who make less than 150% of the federal poverty level will be allowed to open enroll throughout the year. That equals
The average sticker price for an individual
However, most people don't pay sticker price, but get a subsidy to lower the cost.
Higher subsidies are available through temporary changes made by American Rescue Plan Act, according to the
Also, premium costs could bump up next year for people who let their 2021 plans get passively renewed. And some people who have been in "bronze" high deductible plans could get a better deal by switching to a midlevel "silver" plan because of the ARPA changes.
Additionally, some counties have more options available this year. In 2018, some local counties only had one option available but all counties in the
"We're encouraging people to shop because the dynamics have changed, and they're continually changing, " said
Shopping for options can be confusing and people can get one-on-one help understanding options, with local available help listed at localhelp.healthcare.gov.
The costs of the marketplace plans remain a challenge for many consumers — an average deductible this year was
"The only thing affordable about the Affordable Care Act is the premium," said
While most people get subsidies, the average cost of premiums have been climbing over the last nine years for people who make too much to qualify. The average annual net premium in
How to get personal help enrolling
There are several ways to apply and enroll into affordable health coverage: —
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