Quick Start Guide to Marketplace Application
Calculate Your Savings
Use savings calculator to see if you will be able to lower the cost of your health insurance.
Help and Assistance
ND Navigator provides education on the topic of affordable health insurance options. They can provide assistance with enrollment and the application for financial assistance to reduce your monthly costs. Call us at 1-800-233-1737 or e-mail firstname.lastname@example.org
If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance "exchange" or “Obamacare exchange”).
1. The Health Insurance Marketplace is for people who don’t have health coverage
If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP) in ND called Healthy Steps, or another source that provides qualifying coverage, the Marketplace can help you get covered.
2. What you pay for insurance depends on several factors.
Those factors include: where you live, the size of your household, the age of those being covered, the household income, and if you use tobacco.
You may be eligible for tax credits that can be used to assist with your monthly premiums. These premium tax credits are based on your income and household size. You should estimate your income based on your expected income for the year you are applying for coverage. While you can use your previous tax information as a guide it is the current year that will be what tax credits are reconciled to when you file taxes. You must file taxes to receive tax credits.
This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.
Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:
A health insurance plan with savings
Most people who apply qualify for a premium tax credit that lowers their monthly insurance bill. Some also save on out-of-pocket costs like deductibles and co-payments.
The plans are offered by private insurance companies with a range of prices and features. All plans cover:
You can add dental to a health plan, but you don’t have to.
Medicaid and the Children’s Health Insurance Program (CHIP), Healthy Steps
Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.
3. You can apply for coverage 4 ways
4. If you don’t have health insurance, you may have to pay a fee
Most people must have qualifying coverage or pay a fee when they file their taxes.
© 2017 ND Navigator Project