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What is the health insurance marketplace?

What is the health insurance marketplace? image

Missouri is participating in a health insurance marketplace run by the federal government.

What does this mean for individuals, families and small businesses in Missouri? Basically, it means there is a new way for you to obtain health insurance and have control over your health insurance options.

So, how do you get signed up? First, you need to do a little homework. That’s where we come into help. Enroll Missouri provides a centralized source of information for individuals, small businesses and others to learn more about the health insurance marketplace, opportunities for premium assistance to purchase health insurance and more. Once you know your options, then you can get signed up for health coverage.

So, are you ready to enroll Missouri? Great — let’s get started!

Key Dates to Enroll in Health Insurance

  • 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.

Cover Missouri Find Local Help Tool

The Cover Missouri Find Local Help tool helps consumers find free, in-person help for signing up for health insurance through the Missouri Marketplace. Consumers can search by city or zip code for the assister location most convenient for them. For those locations that provide assister appointment information, consumers can use the tool to schedule appointments directly with an assister. 

 

Aetna Update

  • Consumers who are currently enrolled in an Aetna plan through the Marketplace will remain in that coverage through the end of this calendar year (December 31, 2016) assuming that they continue to fulfill their obligations to the plan, such as paying their monthly premiums.
  • If Aetna decides to discontinue operation in a state, consumers will receive a Product Discontinuation Notice from Aetna before the start of the Marketplace Open Enrollment Period. This notice will provide direction for what consumers need to do to choose a new plan for the 2017 coverage year. Consumers who do not actively come back to the Marketplace to re-enroll may be automatically re-enrolled into a new plan. If this is the case, the Marketplace will send them a notification of the plan they will be auto re-enrolled into if they do not come back to the Marketplace during open enrollment to actively choose a plan.

Candra & Clayton Got You Covered!

Candra & Clayton Got You Covered!  image

Health Literacy Missouri's "Candra and Clayton Got You Covered!" series is here – just in time for Open Enrollment on the health insurance Marketplace! Clayton's more than clueless when it comes to health insurance. Fortunately, his BFF Candra has a good head on her shoulders – and a firm grasp of the Affordable Care Act!

Whether busting myths about the ACA or putting some magic into finding a consumer's MAGI, this dynamic duo tackles the tough questions around getting and using health insurance. We hope they'll prove useful (and entertaining) for assisters, navigators and consumers!

Helping Consumers Talk With Their Insurance Company

Myths and Misconceptions of the ACA

Helping Consumers Find a Primary Care Provider

Helping Consumers Understand the Importance of Preventive Care

How To Calculate Modified Adjusted Gross Income (MAGI)



 

Medicaid Enrollment

Missouri Medicaid applications are now being submitted through the new insurance marketplace, and the uninsured are only allowed to apply for insurance coverage through the marketplace or through Medicaid. 

New processes can be difficult to learn, and we are here to help. Here are some tips for accessing the MEDES (Missouri Eligibility Determination & Enrollment System) citizen portal, along with a participant guide for applying for health care based on MAGI (modified adjusted gross income) calculation. Here's a map of MAGI Processing Center locations.