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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, 2015 — Open Enrollment Starts for 2016
  • December 15, 2015 — Last day to enroll in a Marketplace plan and recieve coverage that begins Jan. 1, 2016
  • December 31, 2016 — Coverage ends for 2015 Marketplace plans
  • January 1, 2016 — Coverage can begin for 2016 Marketplace plans
  • January 31, 2016 — Last day to enroll in the Marketplace before Open Enrollment ends

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)


Marketplace Enrollment Maps

Earlier this month, the Department of Health and Human Services (HHS) released new county-level enrollment data revealing how many Americans had picked plans on the health insurance marketplaces. This new data also includes information on a number of key factors: consumers’ age, race/ethnicity, income, financial help received, metal level of plan selected, and new or renewal customer status. The maps show the distribution of consumers in a state who enrolled in marketplace plans in the 37 states that used as an enrollment platform during the 2014 open enrollment period. The map is interactive, and clicking on a county within a state displays more information on the number and proportion of consumer who enrolled there.

New Enroll America Toolkit: Helping Young Americans Get Covered and Stay Covered

Even though the uninsured rate for young adults has dropped dramatically, ongoing outreach will be critical. In Enroll America's latest outreach toolkit, you’ll find tried-and-true strategies and tactics for helping young Americans get covered and stay covered, including:

  • Working with colleges and universities (with specific tips for community colleges)
  • Organizing information sessions
  • "Tabling" at places young adults frequent
  • Partnering with assisters

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. 

Taking Stock and Taking Steps

During the Patient Protection and Affordable Care Act’s first period of open enrollment October 2013 – March 2014, an estimated fourteen million people enrolled for health coverage through the new private insurance Marketplaces (8 million) and through Medicaid (6 million). The Henry J. Kaiser Family Foundation and Robert Wood Johnson Foundation released a report from the field after the first year of marketplace consumer assistance under the ACA.